Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so safety is covered. The description adds genuinely new context: the balance is 'live' and matches the Home/Wallet headline, and 'which setups this seat can run' signals seat-scoped permissions rather than account-wide visibility.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.