Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly=true, destructive=false, openWorld=false, so the safety profile is covered. The description adds real value beyond that: it discloses the authentication requirement (connection requested the first time) and the shape of the returned data (who, amount, status, address), which an agent cannot infer from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.