Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly, idempotent, and non-destructive behavior. The description adds meaningful context beyond annotations by clarifying what the account data includes and, importantly, what it explicitly excludes. This prevents an agent from expecting sensitive fields like credentials or API keys.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.