Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, so the safety profile is covered by structured data. The description adds the useful fact that the tool has two distinct behaviors (listing versus file retrieval), but says nothing about pagination, result limits, or what happens on a missing path.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.