Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the description does not need to restate those. It adds context about the types of funds and data fields, but it does not disclose additional behavioral traits such as pagination, data freshness, or response limits beyond the schema. Since the annotations cover the safety profile, the description's added value is limited but acceptable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.