Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, idempotentHint, non-destructive, closed-world), so the bar is lower, yet the description still adds ordering ('Newest first'), per-item content (receipts link and, when available, the receipts page), and the default page size. It stops short of stating the maximum limit of 50 or offset behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.