Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so the safety profile is covered. The description adds a genuinely useful behavioral filter ('active completed credentials' and inclusive range boundaries) beyond the annotations, but says nothing about pagination behavior or the fact that a separate state filter exists, which risks ambiguity with 'active completed'.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.