Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, non-idempotent, non-read-only, so the safety profile is covered. The description still adds real value the annotations do not: data-handling exclusions (minors, PHI, PCI, adult content), the instruction to request redaction before saving, and the append-vs-replace workflow. It does not spell out the consequence of overwrite=true, but that is documented in the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.