Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safety profile (readOnlyHint=false, idempotentHint=false, destructiveHint=false), so the bar is lower, and the description adds a genuine side-effect disclosure: that remind_at causes a reminder to pop on the user's devices. That outcome is not derivable from the annotations or schema. It stops short of covering failure modes or whether the to-do is synced across devices.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.