Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the behavioral disclosure burden, but it only restates the write intent. It does not disclose whether an existing MOC gets overwritten, whether a new file is created, or how the 'topic' relates to the generated note, so an agent gets no side-effect or safety information.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.