Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, establishing this is a safe read-only operation. The description adds behavioral context: it explains the scoring logic (ranked by settled call counts, USDC totals, distinct buyers for x402; by inbound USDC.e transfers for MPP), the default windows (7d/30d, rolling), and the exclusion of the host's own wallet. This goes beyond what annotations provide, though it could mention rate limits or response pagination.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.