Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, destructiveHint=true, idempotentHint=false), but the description adds substantial non-structured behavior: the state guard, the side effect ('Records one activity event with the user'), account/credential restrictions, conflict-on-invalid-state, and a non-idempotency warning that retrying after uncertain delivery may double-write or fail the state guard. That retry hazard is exactly the kind of detail annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.