Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden and usefully discloses the scan cap of 120, newest-first scope, wallet specificity, and inclusion of voided/one-sided fight refunds. It does not clarify read-only nature, permissions, return format, or what happens to winnings beyond the scan limit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.