Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral disclosure. It adds meaningful details: the 365-day window, the definition of 'critical', and the sorting logic (TVL descending, then recency). It does not mention whether a vault with multiple incidents appears once or the exact return structure, but it is transparent about the core filtering and ordering behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.