Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so the safety profile is fully covered structurally. The description adds no behavioral context beyond that — no note on whether all accounts are returned, whether inactive accounts are included, or any ordering/pagination behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.