Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior. The description adds useful context beyond annotations: the tool is scoped to the signed-in user, behavior differs with and without arguments, and cardNumbers aggregate across all printings. It does not describe output format or edge cases, but the annotation coverage lowers that burden.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.