Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, idempotentHint=true and readOnlyHint=false, so the mutation profile is covered. The description adds value beyond them: an authentication requirement ("needs account token"), a billing note ("Does not charge"), and the public-visibility consequence of removing the password.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.