Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations (readOnlyHint=false, destructiveHint=false) already signal this is a non-destructive write. The description adds meaningful side-effect disclosure: the deck is created if it doesn't exist, which is not obvious from annotations. It also sets expectations for card content (single clear question, concise answer) that affects study session behavior. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.