Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive and closed-world, so safety is covered. The description adds real value beyond that by disclosing the catalog size (121 tools), the domain partitioning, and exactly which fields come back (names, 1-line summaries, satoshi/USDC prices, free-tier flags), which tells the agent this is a cheap pre-flight lookup.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.