Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the description does not contradict. It adds the specific fields returned, but does not disclose any additional behavioral traits (e.g., rate limits, authentication requirements, or whether it returns all accounts without pagination). The description adds some value beyond annotations but is not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.