Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish this as a safe read (readOnlyHint=true, destructiveHint=false), but the description adds real context beyond them: the authentication constraint ('Signed-in users only — API keys can't call this') and the fact that result ownership determines which administration tools are usable. That auth disclosure is exactly the kind of behavior an agent needs and cannot get from annotations, though pagination/size behavior is unaddressed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.