Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, and the description still adds real value: 4,000-character chunking, a next_cursor continuation token, and the has_more=false terminal condition. The only shortfall is that ownership ('linked account') is asserted without saying what happens on a foreign or missing ID.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.