Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so the safety profile is fully covered. The description adds only that the payload includes account details plus limits; it says nothing about rate limits, auth failure behavior, or response shape, which is acceptable given the annotation coverage.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.