Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations flag destructiveHint=true, but the description earns its keep by explaining WHY: it is a wholesale replace, an empty/omitted description clears the field, and display_name is required. That is precisely the behavior an agent could get wrong, and it goes well beyond the annotation hints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.