Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure but only implies read-only safety through the verb 'List'. It fails to mention pagination behavior, rate limiting, authentication requirements, or what data structure is returned (rewards as objects, array, etc.).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.