Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so safety is covered. The description adds substantive behavioral context beyond that: validation is performed offline and does not confirm account existence, plus it enumerates the actual checks performed and the derived fields. Only the return-shape detail is absent, but an output schema exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.