Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true and destructiveHint=false, so the safety profile is covered. The description adds useful nuance ("one per card", "when measured") about what is returned, but says nothing about pagination, result caps, or ordering for a list operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.