Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral disclosure. It is a mutation ('Change') but does not disclose side effects, permissions required, reversibility, or what happens if the database or user does not exist. The only behavioral detail is the account membership constraint, which is insufficient for an agent to anticipate outcomes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.