Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the safety profile (readOnlyHint=false, idempotentHint=true, destructiveHint=false, openWorldHint=true); the description goes further by explaining that no charge occurs until the human completes checkout in a browser, that auth is required, and how the returned url must be handled. That is behavior beyond what the structured fields convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.