Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and openWorldHint=false, so the safety profile is covered. The description adds genuine context beyond that by qualifying the trust level of the returned records (owner-confirmed, unsigned receipts, not certification), though it says nothing about pagination behavior or result-set size despite exposing a cursor.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.