Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, destructiveHint=false and openWorldHint=true, so the description only needs to add context. It adds the single constraint that collections can't be set here, but says nothing about auth requirements, whether the cipher is encrypted client-side, what happens on failure, or what the response contains.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.