Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, idempotentHint=false and destructiveHint=false, so the write/safety profile is covered. The description's one contribution beyond that is the 'draft' state — meaning the created template is not yet sendable — which is genuinely useful context. It says nothing about permissions, alias uniqueness, or automatic folder creation beyond what the schema already states.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.