Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and no destructiveness. The description adds significant behavioral detail beyond annotations: it explains the combination of global oracle score, regulatory flags, FX liquidity, cascade penalty, and weekend penalties, plus the output recommendation types (SETTLE_NOW/DELAY_24H/DELAY_48H). No contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.