Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description adds meaningful behavioral details beyond the annotations: it specifies the maximum supported value (999,999,999,999), decimal precision (two places), and the 'only' suffix in currency mode. Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, so the description's additional range and format constraints provide good transparency without contradicting them.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.