Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false and destructiveHint=false, so the write/non-destructive profile is known. The description adds that the address must be authorized, but omits permanence, idempotency behavior (though in schema), uniqueness constraints, and what happens on conflict — a gap for a creation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.