Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
While the readOnlyHint annotation already indicates safety, the description adds meaningful behavioral context: the tool is the canonical source used by the rails themselves, requires no key or payment, and the ECOWEALTH/EWP confusion has previously broken a live session. This goes beyond the annotations without contradicting them.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.