Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so the safety profile is fully covered. The description adds one genuinely new behavioral fact: the call is scoped to the authenticated participant, implying an auth requirement and that the value is identity-derived rather than an input. It says nothing about failure modes when unauthenticated or whether an RFQ account must exist first.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.