Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, and the description stays consistent with that by framing the tool as URL generation rather than the actual account creation. It adds real behavioral context annotations can't carry: the handoff to an out-of-band browser/OAuth flow and the prohibition on collecting passwords, payment details or API keys in chat.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.