Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, openWorldHint=false, destructiveHint=false, so the safety profile is covered. The description adds real value beyond them: it constrains the data domain to local simulation accounts (not broker) and discloses that equity is included in the response, which annotations do not convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.