Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so restating 'read-only' adds nothing. It does contribute one genuinely new behavioral fact — 'not metered' — and the 'active ... owned by the current principal' filter is real scoping information, but ordering and paging are the only other additions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.