Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, and openWorldHint=false, so the safety profile is covered. The description adds one piece of real context: results are 'private' and limited to the connected payer wallet's own history. However, it says nothing about the authorization object requirement (a signed message), pagination behavior, or rate/visibility limits, which matters given the tool accepts a complex signed authorization parameter.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.