Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. The description adds genuinely new context: it discloses the access boundary ('Scoped to the calling user') and the shape of the payload (current state plus outstanding pendingQuestions and onboarding progress), which an agent cannot learn from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.