Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=true, covering the safety profile. The description adds minimal behavioral context beyond this—it doesn't mention if accounts are filtered by status (active/inactive), whether this includes archived accounts, or rate limiting considerations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.