Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already fully cover the safety profile (readOnly, idempotent, destructive=false, openWorld=false), so the bar is lower; the description nonetheless adds real behavioral context the annotations do not convey: excluded cards are filtered at export and never returned, and each card is a single fact with no recommendation. It does not cover pagination/return-shape behavior, but the output schema handles that.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.