Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint and non-destructive, so the safety profile is covered. The description adds genuinely new context beyond that: personal information requires an explicit scope, which tells the agent about an authorization prerequisite it would not otherwise infer.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.