Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, idempotentHint=false, and destructiveHint=false; the description gives those hints concrete meaning by explaining that notes are appended and nothing is overwritten, which is exactly the operational consequence an agent needs. It omits auth/permission requirements, rate limits, and the shape of the response, which keeps it from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.