Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations by disclosing deprecation/retirement timing, that the fixture is isolated, provider-free and involves no real mail, model call, email, facility task, PMB or charge, plus the auth model (agent-scoped bearer required). It also explains idempotent replay semantics and behavior shared with REST. This is rich behavioral context the structured fields do not carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.