Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare destructive/non-idempotent/open-world, and the description adds context those do not carry: the destination folder, that origin is noted, the required read+modify scopes, and the cost model ('paid (cancel free)'). That is meaningful behavioral disclosure beyond the structured hints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.