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 only adds the "on this account" scoping detail, which tells the agent the result is account-bounded rather than a global lookup. It says nothing about pagination, ordering, or whether an empty list is possible.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.