Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, so the safety profile is covered. The description adds a modest amount of context by noting the list is scoped to models 'this server allows access to', hinting at permission-based visibility, but says nothing about pagination, ordering, or default limit behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.