Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the safety profile (readOnlyHint=false, idempotentHint=false, destructiveHint=false); the description goes further by disclosing that the tool returns a receipt (row count, period, location) and never the rows, and explains why. That preempts the common failure mode of an agent expecting inline data and re-querying.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.