Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this is a non-read-only, non-destructive, non-idempotent mutation, so the safety profile is covered. The description adds the conditional-currentPassword rule, but says nothing about whether existing sessions/tokens are invalidated, whether the change requires an authenticated session, or what happens on failure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.