Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly/idempotent/non-destructive and openWorldHint, and the description adds the key detail: the default mode stays local, while check=true actually hits the network to read the current account. That clarifies the network-cost difference between modes, though it doesn't say what is reported on failure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.