Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint=false and destructiveHint=false, so the safety profile is fully covered by structured data. The only behavioral claim, 'without passwords', is a near-literal restatement of the title and is the sole hint at return content; there is no discussion of scoping, pagination, or what metadata fields come back.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.