Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the generic profile (non-read-only, non-destructive, non-idempotent, closed-world). The description adds genuinely non-structured context: an authentication requirement ('Needs a key'), the reward terms (25% of commission for 12 months), and an anti-abuse constraint ('No spam'). It stops short of saying whether invites can be revoked or expire.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.