Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is covered. The description goes beyond that by disclosing the return content (account requirements, recovery URLs, capabilities) and adding a security behavioral rule not expressible in annotations: 'Never ask for a token in chat.'
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.