Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already mark it read-only, idempotent, and non-destructive. The description adds genuinely useful operational behavior: it runs a risk check on each holding, reports USD in risky tokens, costs $0.15 per call, supports a prepaid x-credit-token header, and requires no wallet or API key. These are behavioral details an agent needs beyond annotation booleans.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.