Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden, and it delivers: it states that built-in templates are refused, that existing cards keep their rules, that only the name is retired for future use, and that deletion is blocked while the name is a standing default. The only minor omission is explicit irreversibility or permission requirements, but 'delete' plus the stated constraints already disclose the essential side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.