Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, destructiveHint=false, idempotentHint=false, openWorldHint=true. The description adds nothing beyond the user fields, but with annotations covering the safety profile and the schema documenting the structure, the description doesn't contradict and doesn't need to repeat. It adds marginal value by naming common fields, but doesn't mention permissions, duplicate-login behavior, or password policy.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.