Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, so the description need not repeat those. It adds minimal context by clarifying that the returned settings are the 'currently active' ones, but it does not describe behavior for invalid userIds or whether there are any side effects. No contradiction with annotations exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.