Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses that the operation is non-destructive ('cannot disturb the existing content') and implies the file must already exist, but says nothing about permissions, failure modes if the path is missing, or the returned result.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.