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 known. The description adds the important behavioral detail that values are masked, which is beyond the annotations and informs the agent that output will not contain raw sensitive data. This adds value without contradicting annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.