Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, idempotentHint=true, and destructiveHint=false, so the safety profile is covered structurally. The description adds a little scope context by stating the other UPI IDs remain on the account, reinforcing non-destructiveness, but says nothing about permissions, failure behavior, or what happens to the previously-default ID.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.