Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safety profile (readOnlyHint=false write, destructiveHint=false, idempotentHint=false), so the bar is lower. The description adds that it returns the saved note and that tags/notebook are optional, but discloses nothing about permissions, side effects, or how notes are stored. Adequate but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.