Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, so the safety profile is covered. The description adds genuinely new context that passwords are never returned, which tells the agent what it cannot retrieve here. It says nothing about pagination, ordering, or what happens with zero configured accounts, so it is additive but thin.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.