Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and destructiveHint. The description adds valuable context beyond that: persisted impact_direction and reason, not-found behavior, and disclaimers about no account access, no order placement, and not being investment advice. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.