Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false and openWorldHint=true, so the safety profile is covered. The description adds genuinely useful behavioral context by disclosing that inactive fields are included and that list-type fields carry their selectable items — details an agent could not derive from annotations. It stops short of stating anything about pagination or response size.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.