Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnlyHint=true and destructiveHint=false, so the safety profile is covered. The description adds genuine value by disclosing the shape of each returned entry and the plan-level template cap, but omits ordering, pagination, and whether the cap truncates results — meaningful for a listing with no output schema to fall back on.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.