Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly/destructive/openWorld, so the bar is lower; the description adds genuinely useful behavioral context beyond them — free, no API key, default window, and crucially the coverage limitation that anonymized venues and unavailable feeds are excluded, so an absent wallet is not proof of absent trading. It stops short of describing pagination or rate limits, but the caveats it does disclose are valuable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.