Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint, openWorldHint, destructiveHint=false), and the description adds substantial context beyond them: expected latency of 2-5 seconds, truncation at 8,000 characters with a truncated flag, refusal of login-gated pages, x402 per-call payment, a 60 calls/minute per-client rate limit, and that failed calls are not charged. This is exactly the operational detail annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.