Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so safety is covered, and an output schema exists so returns needn't be re-explained. The description adds the scope (collections held by the wallet) and the projected fields, but says nothing about auth needs, pagination behavior, or rate limits. Adds some value on top of structured data, not a lot.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.