Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld and non-destructive behavior, so the safety profile is covered. The description adds useful domain behavior: what is fetched (active borrowing position) and the critical interpretability rule that health factor < 1.0 means liquidatable. It does not mention failure modes for wallets with no position or unsupported addresses.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.