Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, non-destructive, idempotent, and closed-world; the description adds real context beyond them by naming the two answer channels and issuing an explicit privacy boundary ('never another user's data, even for org admins') that reinforces openWorldHint=false with an unstated edge case. It also states the empty-result behavior, 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.