Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint=false, destructiveHint=false, so safety is covered. The description adds genuinely non-obvious behavior: the ~$ lock-file exclusion, the ~/Library exclusion unless root points inside it, and the most-recently-modified-first ordering. These are real behavioral facts not present in the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.