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 still adds real value by spelling out the absence of side effects ('does not create an account, save anything or send any message') and by describing the human-in-the-loop follow-up, which annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.