Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description carries the full burden and does well: it discloses that this is a paper-trading account with simulated cash, that no real funds are involved, that it is free, and critically that the returned agentId authorizes trading on the agent. It omits operational details such as idempotency or whether repeated calls create duplicate agents, keeping it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.