Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, non-destructive behavior, yet the description adds meaningful disclosure beyond them: it guarantees only safe IDs and labels are returned and that passwords, tokens, API keys and credential values are never exposed, and it clarifies that choosing a credential confers no new permission. For a security-sensitive listing tool this is exactly the behavior an agent needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.