Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the description adds real nuance: 'live' cards (implying archived or deleted cards are excluded) and the existence of curated collections plus the reading-time 'Words not in a collection' bucket. It does not discuss limit truncation behavior, but the safety and content profile is well covered.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.