Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), so the bar is lower. The description still adds real value by disclosing that unfunded offers are filtered out, which materially affects what the returned liquidity means. It does not discuss return shape or depth rounding, but the output schema and input schema cover those.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.