Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=false and readOnlyHint=false, so the agent knows this is a non-destructive mutation. The description adds genuinely new behavioral context: it is a private, per-user filter ('a filter for them only - nobody is told no'), which is not conveyed by any annotation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.