Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
readOnlyHint=true already establishes the safe-read profile, so the description's job is to add more, and it does: it discloses that the response is expanded with the request's message thread and associated user records, which the agent would not know from annotations or schema. It still omits any rate-limit, permission, or not-found behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.