Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The Markdown-to-native-formatting disclosure is genuinely useful behavioral context not present in the annotations. However, with destructiveHint=true set on a create operation, the agent gets no explanation of what that means (e.g. whether an existing note with a matching name is overwritten), nor any note about permissions or folder-creation side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.