Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (idempotentHint=true, destructiveHint=false), so the bar is lower, but the description adds no behavioral context at all. For a reorder operation the crucial behavior — whether cardIds must enumerate every card or whether omitted cards are appended/dropped — is unstated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.