Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, yet it says nothing about side effects: whether existing HDA instances are refreshed or invalidated, whether unsaved node-level overrides are lost, or what permissions/state are required. 'Reload from disk' implies mutation of in-memory state, but none of this is disclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.