Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint=false and destructiveHint=false, so safety is covered structurally. The description adds one genuinely new fact — 'Credentials are never returned' — which tells the agent the output is safe to surface without redaction, but says nothing about scope, paging, or connection states.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.