Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnlyHint and destructiveHint=false, so safety is covered. The description adds real context beyond them by disclosing the member-safe redaction policy: private wallet, contributor and diagnostic fields are stripped, which tells the agent what data shape to expect.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.