Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, openWorldHint=true, and destructiveHint=false, so safety is covered. The description adds a non-obvious behavioral trait: the response is limited to file names, not file contents — an important expectation-setter beyond the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.