Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, so the description's safety burden is lower. The description adds behavioral context beyond annotations by revealing that operator wallets are filtered out and that the tool returns a classification plus specific metrics (lifetime USD, sku counts, next ladder step).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.