Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive/closed-world, so the safety profile is covered. The description adds the sort order ('ledger's default order') and the free-tier cap of 25, which is useful tier context, but says nothing about return fields, pagination, or why the 'different address after registration' clause matters beyond defining the level.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.