Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations (readOnlyHint, openWorldHint, idempotentHint=false, destructiveHint=false) by disclosing match semantics ('exact normalised or word-order-insensitive name match only'), the fields each match carries, the billing rule ('Rejected calls are not charged') and a legal disclaimer. These are exactly the behavioural facts an agent cannot get from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.