Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate read-only, idempotent, and non-destructive behavior. The description adds valuable context by stating 'Uses exact whole-satoshi integer maths' (precision guarantee) and providing the conversion factor (1 BTC = 100,000,000 satoshis), plus a source URL. This goes beyond annotations 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.