Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world). The description goes further by disclosing the dataset's coverage limits — that ~$9bn sits in unindexed markets and that India/Vietnam/Indonesia/Thailand have no local-currency stablecoin — which is material context for interpreting results. It does not, however, cover return mechanics such as pagination.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.