Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and idempotentHint. The description adds the useful context that passwords are permanent, but it does not disclose session/token side effects or failure behaviors. With annotations covering the safety profile, this is adequate but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.