Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, closed-world, non-destructive), so the bar is lower; the description still adds value by scoping results to the signed-in account and disclosing the comparison semantics (current price vs. price when tracking began). It does not mention pagination or ordering beyond what the limit param implies.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.