Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, and openWorldHint=true, so the safety profile is covered. The description adds the one thing the annotations don't: an authentication prerequisite (sign-in required), which is exactly the kind of extra behavioral context that matters for a wallet read.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.