Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare non-destructive, idempotent, non-read-only; the description adds the per-user scoping ('for the authenticated user') and the credential-pin default, which are not in the annotations. It stays silent on error behavior for unknown/unauthorized ledgers, but that is a modest gap given an output schema exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.