Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is fully covered elsewhere. The description adds useful scope information—result set is limited to 'accessible' contacts and excludes message bodies—but says nothing about ordering, pagination, or match semantics (exact vs partial), which annotations can't convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.