Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, openWorldHint=false and idempotentHint=true, and the description largely restates them ("Closed-world", "Destructive: overwrites supplied fields"). It does add real value beyond the annotations by stating that previous values are not preserved or restored, and by describing server-side Unsplash URL validation and a 404 check before saving.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.