Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld and non-destructive, so the safety profile is covered. The description adds scope ('supported collateral assets') and hints at return shape ('compact list'), but says nothing about pagination limits, completeness of the list, or chain behavior beyond the schema default.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.