Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world. The description adds real context beyond them: it discloses that it returns a cached gallery URL rather than rendering anything, and that personalization requires a prepared catalogKey. Useful behavioral detail, though it doesn't cover failure modes or rate/caching behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.