Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, closed-world, non-destructive, so the safety profile is carried by structured data. The description's added value is ordering ('latest first') and payload ('with the last message'), but it says nothing about page size, how to continue paging, or whether unread state is included.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.