Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the safety profile is covered. The description adds the nature of the payload (real-time wealth, wealth history, list appearances), which is useful context, but it discloses nothing about auth requirements, rate limits, or freshness guarantees, and an output schema already documents the return shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.