Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, idempotent, openWorld, non-destructive), and the description adds behavior beyond them: the call is free, resolves instantly, asks no model, and — importantly for budgeting — "counts two identity checks." That quota/cost disclosure is the kind of context an agent cannot get from annotations or schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.