Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, openWorldHint=false and destructiveHint=false, so safety is covered. The description still adds value by specifying that this is the canonical/full catalog and by listing the return fields in the absence of an output schema. It does not mention pagination or ordering, which keeps it below 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.