Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true and idempotentHint=true, so the safety profile is covered. The description adds value beyond them by disclosing the non-obvious collateral effect (the saved layout is destroyed too) and a business rule (the last tab is protected), which the agent could not infer from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.