Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so safety is covered. The description still adds real value by disclosing what comes back ('purpose, read or write, and the words that matched'), which reveals the underlying keyword-matching mechanism and signals a ranked/annotated result rather than raw objects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.