Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so the safety profile is covered structurally. The description adds one genuinely useful behavioral fact, 'Never returns credentials,' but does not say what the response actually contains (login state vs. identity fields) or whether it makes a network call, which matters given openWorldHint is true.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.