Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Without annotations, the description must carry the full burden of behavioral disclosure. It states the creation action, but does not disclose any potential side effects, permission requirements, or behavior on duplicate names. However, 'create' implies a new resource, so the side effect is fairly obvious.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.