Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already carry the safety profile (readOnlyHint=false, destructiveHint=false, idempotentHint=false), and the description adds real value on top: the auth requirement, what happens without an account, and a hard rule against fabricating addresses. It does not warn that repeat calls create duplicate records despite idempotentHint=false.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.