Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, openWorld, non-destructive), so the bar is lower. The description adds the return field shape and the session-start sequencing hint, but says nothing about pagination, account scoping limits, or error behavior for a tool whose scope is 'this account'.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.