Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the operation as read-only, idempotent, non-destructive, and closed-world, so the safety profile is covered. The description adds useful context about supported algorithms and a security recommendation to prefer SHA-256+ for passwords, which goes beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.