Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=true, idempotentHint=false), so the description is not burdened with that. It adds value annotations cannot: the fact that the response is a live snapshot of pending work and enumerates the fields each entry carries (assets, amounts, destinations, state). Minor gaps remain around queue size, ordering, or freshness guarantees, but nothing contradicts the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.