Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/closed-world, and the description adds substantial behavior beyond them: visibility rules for active vs draft/sold/closed/expired listings, the owner-identity requirement, and the not-found outcome for non-owners. This is exactly the access-control detail an agent needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.