Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare this is a non-read, non-idempotent, non-destructive operation, and the description adds meaningful context beyond that: the server is non-custodial ('holds no keys, no funds and no tokens'), the action is free with a valid signature, and it describes the response's key fields (settledIn, chain, token, atomic amount, payer).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.