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 by structured data. The description adds the useful detail of which account fields are returned, which is real behavioral context in the absence of an output schema. However, it says nothing about permissions required, freshness of dispatch count, or response format.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.