Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint. The description adds meaningful behavioral context beyond that: it states that the username is returned and passwords are never returned, which is a security-relevant guarantee an agent needs to know.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.