Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already communicate read-only, idempotent, non-destructive behavior, so the description correctly focuses on non-obvious output semantics: negative cost_basis means net profit withdrawn, and cost_basis/current_value/cost_diff are in USD while per-token fields are in raw units. This goes beyond annotations and prevents misinterpretation of return values.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.