Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, destructiveHint=false and openWorldHint, so the safety profile is covered. The description adds a genuine behavioral fact — results are filtered to what the key can access — but says nothing about pagination, ordering, or handling of accounts with no lists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.