Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose key behavior: it is an upsert ("saves or updates"), it requires an authorized token and an active Premium plan, and the write is scoped to that day's card only. It stops short of saying whether an existing answer is overwritten or appended, whether a missing card is created, or what happens on auth/plan failure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.