Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotent/non-destructive, so the description's added value is the non-obvious behavior: only public teams are returned, results follow a three-tier default ordering (operated, then reference designs, then illustrative demos), pages cap at 20, and nextCursor must be fed back as cursor. That ordering and page-cap disclosure is exactly the kind of thing structured fields cannot convey, though it stops short of describing rate limits or what an empty result means.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.