Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, closed-world). The description adds real behavioral context beyond them: include_images returns up to 4 largest-first attachments as viewable images, and an attachment with downloaded=false is not yet local, triggering background fetch that read_attachment/save_attachment then wait on.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.