Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safety profile (readOnlyHint=false, idempotentHint=false, destructiveHint=false). The description adds genuinely useful behavior the annotations do not carry: the 8-folder-per-owner ceiling and the fact that the response returns the entire refreshed library, so a follow-up GET /api/library is unnecessary. It still omits failure behavior when the cap is exceeded, which holds it back 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.