Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It does disclose real behavioral facts: this is a replacement (not an append), and the doctrine is 'read at the start of every turn,' which tells the agent when the change takes effect. However, it says nothing about authorization despite the required ownerKey, nothing about reversibility of the overwritten doctrine, and nothing about failure behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.