Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is fully covered. The description adds the shape of the payload (metadata, aggregate activity, bounded portfolio), which is useful framing, but says nothing about error behavior for a missing/unknown ident or the "bounded" limit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.