Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it discloses several non-obvious traits: only future records are affected, empty list clears the template, lock is optional, and a required skill-doc read precedes the first call. It omits permission/auth requirements and any failure behavior, but the mutation semantics are 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.