Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint and destructiveHint=false, so safety is covered; the description adds meaningful context on top — that nothing is opened and that the account must be online — which is a real state requirement an agent must satisfy. Return semantics are left to the output schema, and no rate-limit or failure-mode detail is offered.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.