Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish the safety profile (readOnlyHint=true, destructiveHint=false, openWorldHint=false), so the bar is lower. The description adds conditional behavior not in the annotations: in the unlinked state it returns connection instructions, and once connected it lists the user's repositories. It does not mention that this likely makes remote API calls that can fail or be rate limited.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.