Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so the safety profile is covered. The description adds a genuinely useful nuance not in annotations: name and email are populated only "when the key belongs to a customer," warning the agent that a partial/null result is possible. It stops short of describing error or auth-failure behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.