Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With annotations only declaring destructive/idempotent/read-write hints, the description adds real substance: partial-update semantics, that a new schema does not retro-validate existing items but governs later writes and restores, that new rules take effect from the next write only after stored tests pass, that rules:null removes them, and that readonly blocks writes to the list, its items, and indexes. All of this is consistent with destructiveHint=true (notably schema and rules changes).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.