Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, openWorldHint=true, and destructiveHint=false, so the safety profile is covered. The description adds useful scope: it returns the merchant account tied to this API key and enumerates the fields returned, which is important because no output schema exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.