Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world, so the safety profile is covered. The description adds useful data-scope context ('metadata/approved fields only; no secrets, contacts or original files'), which tells the agent what will NOT be returned. It says nothing about pagination behavior for a list-shaped read with limit/offset.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.