Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare non-read-only, non-destructive, non-idempotent, closed-world. The description adds meaningful behavior beyond that: the inheritance/'live' propagation to assigned courses, the override semantics ('anything omitted stays the concept's own'), the auto mode meaning 'follow the learner', and a plan-tier requirement. It does not mention duplication or delete behavior, so not a full 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.