Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish the safety profile (readOnlyHint=true, destructiveHint=false, openWorldHint=false), so the bar is lower. The description adds meaningful scope information ('signed-in user's') beyond the annotations. It says nothing about pagination, ordering, or result size, which are the remaining behavioral gaps for a list tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.