Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent and non-destructive, so safety is covered. The description adds genuinely new behavioral information beyond them: it explicitly states that tokens and encryption keys are not returned, which sets expectations about the response payload. It does not say what happens on an invalid or expired login, which would have completed the picture.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.