Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish the safety profile (readOnlyHint=true, idempotentHint=true, destructiveHint=false), lowering the disclosure burden. The description adds useful context about what is returned, but does not describe runtime behavior such as performance characteristics, error handling, or authorization requirements beyond the schema's ledger restriction note.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.