Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose two important behaviors: changes are delayed until the formation is next used, and rationale is logged. It does not explain permissions, reversibility, partial-update semantics, or what happens to unspecified fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.