Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior, so the safety profile is largely covered. The description adds genuine value beyond them: it clarifies this 'does not write account or native report data' (reconciling the write-sounding name) and instructs the agent to retain the returned reference for later calls.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.