Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, but it only lists updatable fields. It does not disclose whether the update is partial or full, what happens if the entity doesn't exist, or any authentication/authorization requirements. For a mutation tool, this is insufficient.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.