Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the read-only/idempotent/non-destructive profile, and the description adds substantially more: the data source (NearBlocks indexer), the exact fields returned, the auth model ('no API key required', optional x-credit-token header), the price ($0.02/call over x402 on Base) and the rate limit (1 free call/day). That is behavioral context well beyond the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.