Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=true, destructiveHint=false, openWorldHint=true), so the bar is lower; the description still adds the non-obvious auth constraint ('agency key only') and the shape of the payload, including the conditional disclosure that account lists are only returned for account users. That conditional return behavior is genuine context beyond the annotations, though pagination/error behavior is unaddressed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.