Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden. It discloses that the operation creates a folder and that the parent must already exist, which is meaningful. However, it does not state what happens if the folder already exists, whether creation is recursive, or any error behavior, leaving gaps for a write operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.