Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. The description adds value beyond that with sort order, the field set returned, and the not_found behavior for an empty account. It does not mention pagination behavior despite a cursor parameter, which is the main remaining gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.