Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=true, openWorldHint=true), so the bar is lower. The description nonetheless adds real behavioral context beyond them: a fixed 30-day lookback window, a restriction to 'tracked' wallets only, and the fact that results are ranked by overlap. It omits any note on pagination or truncation behavior, but that is also covered in the schema's limit field.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.