Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructive, idempotent and closed-world behavior, so the bar is lower. The description adds real value by disclosing atomicity ('one sequence transaction') and the 100-item ceiling, which the annotations do not cover. It omits, however, what happens on conflict or partial failure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.