Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the behavioral load; it does disclose partial-update semantics ('unspecified fields remain unchanged'), which is genuinely useful for a mutation tool. It does not say what permissions are needed, whether moving a folder is recursive, or how collisions/duplicate names are handled.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.