Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint and destructiveHint=false, so safety is covered. The description adds genuine behavioral context beyond them: the output is bounded to the 10 most recent transactions and includes USD valuation and a tracked total, which tells the agent what to expect from a call. It stops short of mentioning rate limits, truncation beyond the transaction cap, or behavior on invalid/empty addresses.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.