Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructive, idempotent, non-read-only behavior, so the description need not repeat those. It adds meaningful context beyond the annotations by disclosing that contact details, tax ids and addresses are never returned and by summarizing which fields are returned after an update.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.