Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Adds meaningful behavior beyond the annotations: it resolves from chain so 'a zero here is a real zero rather than a degraded API', it explicitly disclaims building or signing transactions, and it states the tool is free and keyless. These are real operational facts (cost, signer, zero-semantics) not covered by readOnlyHint/idempotentHint.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.