Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (non-read-only, non-destructive, idempotent, open-world), and the description adds material context the agent could not infer: the 10 MB cap, accepted MIME types, the fact that it costs no credits, and the auth requirement with a concrete OAuth/API-key path. That is exactly the value-add the behavioral dimension rewards.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.