Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this a read-only, non-destructive, closed-world call, so the safety profile is covered. The description adds useful behavior (descending order, resolved payee names, single-lens scoping) but says nothing about result limits, pagination, or how 'lens' is chosen.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.