Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover read-only/idempotent safety, but the description adds substantial behavior beyond them: it explains the classification outputs, the default liquidity floor, that thin pools signal wash/manipulation, that results are snapshots, and crucially the pricing model ($0.02/call, prepaid x-credit-token, 1 free call/day). These are meaningful operational details an agent needs. Does not describe return schema fields, but output schema exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.