Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, so safety is covered. The description still adds genuinely behavioral detail: the result is scoped to the signed-in user and the renewals list is truncated to five, which is a disclosure an agent could not get from the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.