Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With only destructiveHint: false as an annotation, the description carries the behavioral burden and does so thoroughly: it discloses permission requirements, that it does not send or represent acceptance, that the note is not delivered, that the page verifies phone numbers, and the full preview/confirm workflow with previewHash and re-confirmation on changes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.