Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover safety (readOnlyHint=false, idempotentHint=true, destructiveHint=false), and the description layers on non-obvious behavior the annotations cannot express: accepted formats, a 6 MB cap, server-side square cropping and 512 px resizing, and where the icon surfaces (chat header, emails, dashboard). That is exactly the extra context an agent needs before committing an upload.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.