Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so the safety profile is fully covered without the text. The description adds the useful behavioral fact that this is an explanatory/instructional response scoped to when account-linked tools are absent, but says nothing about response format or what the explanation includes beyond the bullet list of benefits. Adequate but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.