Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations are absent, so the description must carry the behavioral burden. It only states that the tool saves/writes, without disclosing whether a confirmation dialog may appear, whether all unsaved changes are committed, or what happens when no active form 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.