Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly=false, idempotent=true, destructive=false and openWorld=false, so the safety profile is covered. The description adds real value on top: it discloses the return behavior ('Returns all preferences') and imposes a consent prerequisite (only after the user asks), which the annotations do not express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.