Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=false, destructiveHint=false, idempotentHint=true; the description adds meaningful behavioral context beyond that — omitted fields are left unchanged, -1 clears a deck override so it inherits account defaults, and an empty string clears goal_date. This inheritance/clearing semantics is valuable, though some of it is echoed from the schema text.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.