Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only supply readOnlyHint=false and openWorldHint=false; the description adds the meaningful behavior an agent needs: partial-update semantics (omitted field unchanged, empty string/null clears), the exact blast radius of the mutation, authorization gating (owner, or org owner/admin for shared KBs), and a failure mode (refused while suspended).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.