Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, covering safety. The description adds the behavioral scope of 'available for lending and borrowing', which is useful context, but it does not mention response format, pagination, or any edge cases, leaving some behavior undisclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.