Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior, so the bar is lower, and the description still adds real context: no new execution or polling fee, a possible settlement of the original charge, and that REST ownership/access controls apply. That cost and access-control disclosure is exactly the kind of thing annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.