Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (idempotent, non-destructive, closed-world), and the description adds real behavioral context beyond them: other IDs stay on the account, and a default set on an inactive ID is never actually quoted. This edge-case disclosure is exactly the kind of value the description should add.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.