Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With readOnlyHint/openWorldHint already covering the safety profile, the description adds genuinely new context: the upstream source (GoPlus lp_holders), the truncation to top 10 holders, the caveat that locker names appear only when GoPlus supplies them, and the paid-per-successful-call model ($0.002 USDC via x402, failures uncharged). The payment/auth requirement is exactly the kind of detail annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.