Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false and idempotentHint=true with destructiveHint=false, so the bar is lower; the description adds genuine context that the note is private, user-authored, and not published or transmitted. It does not, however, explain the idempotency/request_key or revision behavior beyond the annotation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.