Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that the tool performs a pre-trade check on allowlists, policies, and quote integrity, indicating it is a read-only simulation. It does not describe authentication needs, rate limits, or potential side effects, but the core behavior is adequately communicated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.