Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive and closed-world, so the safety profile is fully covered elsewhere. The description adds only the 'current account' scope and says nothing about default page size, result caps, filter combination behavior, or the sensitive-data gating implied by include_ban_details/include_contact_details.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.