Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and openWorldHint=false, so the safety profile is fully covered. The description adds useful context about what the response contains (balances, payment status, notes, share URLs) but says nothing about auth scope or error behavior beyond what the token implies.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.