Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
readOnlyHint=true already declares this is a non-destructive read, so the safety profile is covered by annotations. The description adds the useful behavioral detail that results include cache location and per-file load/check state, which mild-compensates for the absent output schema, but it says nothing about the shape of the result, whether files are listed exhaustively, or what 'whether it loaded' looks like 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.