Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=false, destructiveHint=false, openWorldHint=false, covering safety. The description adds real behavioral value beyond that: structural errors do not enter the ride or consume a step, while semantically poor but valid payloads do, and it notes the return contents. These are meaningful mechanics not derivable from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.