Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true and idempotentHint=true, but the description adds real context: saving with an id overwrites a saved address, addresses are only stored after user consent, and 'The sender name is always the name of the account holder.' It still doesn't say what happens to fields omitted during an update, which matters for a destructive-hinted mutation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.