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 genuinely non-obvious behavior: the account set is fixed, some accounts may exist in use without a mapping, and the tool will not invent a mapping for those — the agent must escalate instead. It does not describe the shape of the returned map, but that gap is modest.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.