Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, and openWorldHint=false, so the safety profile is fully covered by structured data. The description adds useful content about what is returned (total USD and per-asset breakdown) but says nothing about refresh timing, caching, or account-link prerequisites that would go beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.