Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
readOnlyHint=true already establishes the safe-read profile, and the description adds value beyond it: the specific fields returned (id, type, choices, required flag), the 'c-cf-<id>' identifier convention callers must use, and the backing endpoint GET /api/1.1/json/user_custom_fields/. With no output schema, this return-shape disclosure is genuinely useful.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.