Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive). The description adds meaningful context beyond them: the identity duality (wallet vs agent id), the GET /me reference, and the 12-settled-markets requirement before a score exists. No auth or rate-limit details, but it's a read with a rich output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.