Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint. The description adds behavioral context by detailing the types of events returned (manager notes, transfers, access opening, payments) and the limit of 30 events. This goes beyond annotations without contradicting them.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.