Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint and destructiveHint=false, so safety is covered by structured data. The description adds real context beyond that: the enumerated exclusions (customer accounts, enquiries, private drafts, payment records) tell the agent the access boundary of a 'public' read, which prevents over-reaching calls.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.