Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnly/idempotent/openWorld/non-destructive, so safety is covered. Description adds what the record contains (explicit source-age warnings), which is useful beyond annotations, but omits error behavior when ID is stale or missing and snapshot semantics beyond the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.