Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already signal readOnlyHint=false and destructiveHint=false, indicating a non-read-only, non-destructive write operation. The description adds the constraint that the account must already exist, which is useful behavioral context. It does not elaborate on idempotency or side effects, but annotations cover the safety profile adequately.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.