Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/openWorldHint, and the description adds real behavior on top: results are official for today only, payoffs are broken out per wager type, and refunded races surface a "Refund" payoff instead of a winner. Auth and pagination behavior are left out, but the exceptional-case handling is valuable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.