Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so safety is covered. The description usefully adds that only public data is returned (identity, summary, public earnings snapshot, availability flags), but says nothing about auth requirements, rate limits, or what happens with an invalid/private handle.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.