Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true and readOnlyHint=false, so the delete semantics are covered structurally. The description adds the useful qualifier that only user-saved templates are eligible (built-ins presumably can't be removed), but says nothing about irreversibility, permission requirements, or behavior when the id is invalid or unknown.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.