Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, so the safety profile is covered. The description adds which credential fields come back (issuing institutions, Credly URLs, credential IDs), but says nothing about ordering, whether the provider filter defaults to 'all', or how many records come back. Some added value, not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.