Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only/non-destructive/idempotent/open-world, and the description adds real context beyond them: the snapshot-then-delta pattern, what the deltas contain (liquidity ±%, price ±%, honeypot flips, sell-tax spikes, LP pulls), billing via x402/prepaid header, and the 1-free-call-per-day limit. The snapshot/watchId retention is arguably a state write that sits awkwardly beside readOnlyHint=true, which keeps this from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.