Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=true, so safety and the external-data nature are covered. The description adds value by enumerating the returned fields, which matters since no output schema exists. It does not disclose however what happens on ambiguous surname matches or whether results are cached/rate-limited.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.