Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnlyHint=true, destructiveHint=false and openWorldHint=false, so the safety profile is covered. The description adds genuinely useful behavior beyond that: the home-directory default, the returned attributes, and the sort order (directories first, then alphabetical), which tells the agent what output shape to expect.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.