Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, openWorldHint=false, and destructiveHint=false, so the safety profile is covered. The description adds real behavioral value beyond that: it discloses the result scope (official, your own, and other users' public templates) and that official and owned entries are marked in the response, which matters for parsing results. Return format and pagination are still unstated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.