Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare non-read-only, non-idempotent, and non-destructive. The description adds important behavioral details: renewal cannot move the absolute 24-hour limit, no authentication is required, and the owner token must stay secret. These go beyond the annotations and help the agent understand side effects and security constraints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.