Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations are thin (only destructiveHint=true), so the description carries most of the load. It maps the operation to the API endpoint ("Formstack: POST /folders") and explains root vs nested placement, but says nothing about auth needs, duplicate-name behavior, or side effects of folder creation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.