Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly/idempotent/non-destructive/closed-world, so the description's job is lighter. It usefully adds that results are capped at 15, include records, and carry a citation requirement ('Cite the url'), which is real behavioral context beyond annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.