Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint and openWorldHint=false, so the safety profile is covered. The description contributes one genuinely useful trait — that credentials and private account fields are withheld from results — but says nothing about ordering, pagination, or whether all members are returned.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.