Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so safety is covered. The description adds real context beyond that: results are filtered to pending items, ordered by due date, and capped at 100 — the cap being the closest thing to a rate/result limit disclosure. It stops short of saying what happens when more than 100 reminders are pending (truncation vs. pagination).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.