Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only/idempotent/non-destructive, but the description goes well beyond: it discloses the storage_deposit step omission that causes failures, that it returns the 'exact fix and its NEAR cost', that it catches sending to the token contract itself, and that data is 'live from the NEAR RPC'. It also transparently describes the pricing/auth model.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.