Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and a closed world, so the safety profile is covered. The description adds value beyond the schema by disclosing that customer numbers are masked in the output and that the call requires the crm:read scope — both real behavioral facts an agent can't get from annotations alone. It stops short of describing pagination/truncation behavior at the 200-row cap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.