Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations carry only a title, so the description does real work: it discloses that the call is quota- and rate-limit-exempt, which is a non-obvious behavioral trait an agent needs before deciding to poll it. It also names what comes back (usage figures, plan), though it stops short of format or reset-window details.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.