Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (not read-only, not destructive, not idempotent), and the description adds genuinely non-obvious behavior: the change syncs across Obsidian devices, referring links are rewritten in the background, and it fails if the target path is occupied. That failure mode and the background link-rewrite side effect are the kind of context annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.