Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, covering the safety profile. The description adds value by enumerating the returned fields (asset, units, owner address, activity history), which matters since no output schema exists, but says nothing about pagination, ordering, or empty results for a 'returns all' operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.