Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and open-world, so the safety profile is covered externally. The description adds only that the listing is unfiltered ('all'); it says nothing about result caps, pagination, ordering, or what an empty account returns, so it adds limited behavioral context beyond the structured hints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.