Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint true and destructiveHint false. The description adds useful access-scoping context ('that the user has access to'), but it does not discuss paging, ordering, or other behavioral details. For a simple read-only list with an output schema, this is acceptable but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.