Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only flag write/idempotent/non-destructive; the description adds substantial context beyond them: required scope agent.inbox.read, agent-scoped bearer key requirement, that member/facility keys cannot impersonate an agent, idempotent replay semantics, and a deprecation timeline. This is exactly the extra behavioral detail annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.