Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate this is not read-only, is idempotent, and is not destructive, so the bar is lower. The description adds valuable behavioral context: it is a partial update ('Pass only the fields to change') and that criteria overwrites existing rules ('criteria replaces the existing rules'). This goes beyond the annotation hints without contradicting them.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.