Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, idempotent, non-destructive, openWorld), and the description goes well beyond them: it discloses data provenance (live chain reads for authorities/Token-2022 extensions, largest accounts for holders, DexScreener for market), a concrete cost model ($0.005/call, 10 free/day, x402 payment-required result), and error semantics (isError on invalid input or upstream failure, not charged). That is exactly the extra context annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.