Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden; it discloses the sort order and the read-only nature implied by 'retrieve', plus the data source (saved highlights/notes). It says nothing about permissions, whether lifecycle/archived items are excluded, or what the results contain beyond highlights and notes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.