Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, and non-destructive. Beyond that, the description discloses that the account is derived from the cookie the MCP client passes, requiring no arguments, and that the account owns the library only when a session exists – useful behavioral context the 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.