Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this is a non-read-only, non-idempotent, non-destructive write. The description adds real context beyond them: the deck is created empty, its ID is returned, and there is a hard quota of 25 decks per account. It does not mention auth/permission requirements beyond 'signed-in user'.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.