Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses that this is a variable-rate order, returns a deposit address, settles directly to settleAddress, and is non-custodial for us, but it omits important creation behavior such as rate expiration, refund handling, address validity requirements, and side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.