Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the mutation profile (destructiveHint=true, idempotentHint=true, openWorldHint=true), so the description's job is to add context beyond them, which it does via the 409 conflict path and 422 validation failure on the new address. It stops short of saying what happens to the previous address or existing signature installations tied to it.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.