Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnly, idempotent, and non-destructive hints. The description adds useful behavioral context beyond those annotations by stating the tool 'Does not move money' and instructing the agent to 'Cite as-is', which clarifies both its safety profile and how its output should be consumed. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.