Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive behavior. The description adds real context beyond them: access is restricted to the owner via owner_key, and the response exposes personal and payment data (names, phone numbers, payments), which is material for handling and privacy. It does not cover pagination or return shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.