Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the full behavioral burden. It usefully discloses the sort order (volume then transaction count) and the hard cap of 20 results, which are behavioral traits not present in the schema. It does not state that this is a read-only operation, nor does it mention data freshness, auth requirements, or rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.