Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare non-read-only, non-idempotent, non-destructive and open-world, so the bar is lower; the description still adds real behavioral context beyond them: public visibility ('Shown publicly'), ordering ('newest first'), a hard quota ('At most 20 per goal'), and no cost ('Free on every plan'). It does not mention auth/permission requirements or what happens past the 20-note cap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.