Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so the safety profile is covered. The description still adds genuine context beyond that with the security guarantee 'Passwords and tokens are never returned', which an agent cannot derive from the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.