Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does add real value by disclosing the key side effect: existing checklists created from the template are unchanged. It does not say whether archiving is reversible, whether permission/ownership is required, or what happens to in-flight sign-offs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.