Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false and openWorldHint=true, so safety is covered. The description adds genuinely new context: it is served by the authenticated current-user endpoint (auth requirement) and deliberately excludes account settings and credentials (scope boundary). It does not discuss failure modes when unauthenticated, but the annotations carry most of that weight.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.