Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover key behavioral traits: readOnlyHint=true (safe read), openWorldHint=true (may return variable data), idempotentHint=true (safe to retry), destructiveHint=false (non-destructive). The description adds context about authentication ('authenticated wallet'), which isn't in annotations, but doesn't disclose other behaviors like rate limits, pagination, or response format. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.