Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint and non-destructive, so safety is covered. The description adds genuine domain context beyond structured fields: health factor < 1.0 denotes a liquidatable position, which is what makes the returned data actionable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.