Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare it is a non-readonly, non-idempotent, non-destructive write; the description goes well beyond by disclosing human review over following days, absence of an automatic reply, rate limits (a few messages per day), and the privacy handling of the GitHub id. This is exactly the behavioral context an agent needs before committing a message.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.