Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full behavioral burden. It usefully discloses that the operation is destructive in nature ("Replace ... capital book"), which signals existing positions are overwritten. However it says nothing about auth requirements, whether the replacement is atomic/persistent, what happens to linked objectives, or the response shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.