Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, so safety profile is covered. Description adds useful return-field context (walletTerms explanation) beyond annotations, but doesn't mention pagination behavior or default result size, which are relevant for a list tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.