Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the non-read-only, non-idempotent profile; the description adds the traits that actually matter operationally: single-use URL, 10-minute expiry, minimum 3 MB, maximum 10 MB / 10 pages, and that the upload is performed out-of-band via HTTP PUT. Those constraints are not derivable from the annotations or schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.