Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
readOnlyHint=true already covers the safety profile, so the description's added value is the field-scope disclosure: 'Only work-related fields are returned (no credentials, payroll, address or birth data)'. That is genuinely useful context for an agent assembling a privacy-sensitive answer that annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.