Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this is a non-read, idempotent, non-destructive mutation. The description adds genuinely extra behavior beyond the annotations: the optimistic-concurrency contract (a stale 'version' yields PLAN_CHANGED with the new version) and reversibility ('the answer can change any time before the plan starts'). It does not, however, cover permission/authorization requirements or rate limiting.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.