Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the mutation/idempotency/destructiveness profile, so the bar is lower. The description adds genuinely non-obvious context beyond them: it creates the note with a title line if missing, preserves existing text, and inserts position=start after any frontmatter rather than at the very top.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.