Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the safety profile is known. The description adds minimal behavioral context: it is scoped to client-account transactions but says nothing about default behavior, result shape, pagination, or how the optional filters interact. It does not contradict annotations but adds little beyond them.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.