Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, non-destructive, closed-world behavior, so the safety profile is covered. The description adds genuinely useful context beyond that: the default page size, what is deliberately omitted (addresses, bank details), and the field set returned. It stops short of explaining pagination via cursor, but that is largely in the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.