Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint, idempotentHint, and destructiveHint, so the bar is lower. The description adds valuable behavioral context beyond annotations by explaining that MCP keeps no state between calls and that no active vault is persisted, which is essential for agents to understand the tool's actual side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.