Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the safety profile is covered. The description adds only 'of the account' as scope context and says nothing about pagination, result limits, or how the optional status filter affects results, so it contributes very little behaviorally.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.