Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, idempotentHint=false and destructiveHint=false, so the safety profile is covered. The description adds one genuinely useful behavioral fact beyond them – that a session_token is returned for account tools – but says nothing about single-use codes, failure/retry behaviour, or expiry, which matter for a non-idempotent mutation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.