Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and closed-world, so safety is covered. The description adds value beyond them by disclosing the implicit wallet scoping (no address parameter) and the shared sign-in requirement with get_my_vault, plus the aggregate nature of the response — real behavioral context the annotations do not carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.