Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only say this mutates state and is open-world; the description goes far beyond by disclosing consent requirements, confirm semantics, the exact reminder cadence (24h and seven days, one-hour grace, two reminders max per episode), cost ('Free; no email, credit spending, automatic restart or synthetic heartbeat'), and edge cases like renewed opt-in on receiver change and in-flight alerts still arriving. No contradiction with destructiveHint=true, since the mutation is clearly disclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.