Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must disclose behavioral traits. It merely says 'update', which implies mutation, but does not state whether the operation is destructive, whether the folder must exist, what happens if it does not, or any error conditions. This is insufficient for a mutation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.