Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations supply destructiveHint=true and a title, so the safety bar is partly carried already. The description adds genuinely useful context by marking the note as 'internal' (visibility semantics not in the schema) and mapping to POST /api/4/notes, but it says nothing about permissions, whether notes can be edited/deleted later, or why a note-creation call is flagged destructive.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.