Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior, so the safety profile is covered. The description adds useful return-shape context unavailable elsewhere, notably that each account entry carries either the live link or the per-account error, and that the owner's note appears only if sent back.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.