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 value by noting profile fields are returned 'when available,' hinting at partial/optional data, but says nothing about auth, rate limits, or coverage across exchanges.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.