Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotentHint/destructiveHint=false, so the safety profile is covered. The description adds genuine behavioral context beyond that: results are pre-aggregated rollups (accounts by status, gaps, staleness) rather than raw rows, plus a domain warning (CRM-13) that every why_them argues against adding accounts without reading the goal. It does not describe cost, size, or pagination, so it adds value without being rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.