Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden of behavioral disclosure. It does reveal that the tool registers follow-ups with context and that due items are later checked by a Personal Understanding Skill, which is useful. It does not describe mutation effects, duplicate handling, idempotency, or what happens when due_at is null, but the core persistence-and-check behavior is present.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.