Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already disclose the mutating, non-idempotent, open-world nature of the call, so the description need not restate that. What it fails to disclose is the behavior that matters for a login endpoint: how credentials are supplied (the schema has zero parameters), whether a session token is returned or set as a cookie, and what errors look like. 'Logs in a user' leaves the entire auth mechanism unexplained.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.