Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The readOnlyHint annotation already establishes the safety profile, and the description adds useful behavioral context: it returns the 7-day median spread, duration above the repay-within-a-day threshold, and breakeven hours against four legs of fees. It also notes that assumptions are included in the answer, which helps an agent interpret results.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.