Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (destructiveHint=false, idempotentHint=true), and the description adds high-value context beyond them: nothing is deleted, no confirmation is needed, subdecks are affected, and cards can still be added by name. This is exactly the extra behavioral detail an agent needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.