Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, destructiveHint=false, openWorldHint), so the bar is lowered; the description still adds real value: data is private to the calling key, no public Arena user can see it, it is paper trading in virtual mUSD, and fills follow paper_execution_v1 with a disclosed execution cost. It does not mention rate limits or pagination beyond the 1,000-row cap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.