Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare this a non-readonly, non-idempotent, non-destructive mutation. The description adds genuinely useful behavior beyond that: core/overlays are a full replacement rather than a merge, and restores are versioned. It still doesn't cover permission requirements, how omitted optional fields behave under replacement, or reversibility of an edit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.