Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations (readOnlyHint=false, destructiveHint=false, openWorldHint=true) by disclosing concrete behavior: delivery as a notification and in each member's coach history, a 400-character cap, no links allowed, a rate limit of one note per brain per day, and an auth prerequisite of a connected account with an active coach plan owning the brain. These are exactly the operational facts an agent cannot infer from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.