Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, idempotent, non-destructive, and closed-world behavior. The description adds meaningful context beyond that: credential scoping, the pinned-credential single-ledger case, and default pagination behavior when parameters are omitted.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.