Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare the safety profile (readOnlyHint=false, destructiveHint=false, idempotentHint=false, openWorldHint=false), so the mutation nature is already known. The description goes beyond that by disclosing patch semantics — supplied fields replace saved values, recipient and attachment lists are replaced wholesale, omitted fields are preserved — which is exactly the behavior an agent needs and cannot get from the annotations. It does not address concurrency/conflict or invalid-ID handling, keeping it short of 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.