Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint=true, and the description adds useful non-obvious context: pending_approval is a normal state produced by these settings, not a failure, and it explains override vs account-wide resolution. It stops short of disclosing other behavioral details like permissions or performance, but the read-only annotation plus this context covers the main surface.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.