Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover only safety (readOnly/idempotent/non-destructive), and the description layers on substantial operational context beyond them: freshness semantics (stale:true past a minute, rows up to 5 minutes old), Novig's feed-vs-polling variability, ProphetX sandbox caveat, and that paper trades are sandbox-only and never sent to the venues. This is exactly the extra behavioral detail the annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.