Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint and destructiveHint=false, so the safety profile is covered; the description adds real context beyond that: required auth scopes, the conditional nature of the stock balance ('when tracked'), cost field gating, and the preview-stability warning that responses may change without a version bump. Return shape beyond these hints is not described.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.