Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already flag destructiveHint=true and non-idempotency, so the bar is lower, yet the description adds the concrete consequences: the old password immediately stops working, the new value is displayed only once and cannot be retrieved later, and the caller must be a workspace owner. These are exactly the operational facts an agent needs before invoking an irreversible mutation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.