Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotentHint/destructiveHint=false, but the description adds real context beyond them: the shape of the return (selected operational fields only), the explicitly omitted data (notes, permissions, attachments, payroll), and the customer API access requirement. That goes meaningfully beyond the annotation profile.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.