Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, idempotentHint, destructiveHint=false), and the description adds genuinely non-obvious behavior beyond them: the payload is delivered inline as base64 over the tool channel, there is a hard 4 MB cap, and the network/egress failure mode that motivates the tool. Those are exactly the traits structured fields cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.