Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the generic profile (not read-only, not idempotent, not destructive); the description adds the materially important behavior that this incurs a 'new charge' and reuses the existing Look, background media, and loops so prior work is not re-billed. That cost and reuse disclosure is exactly the kind of context annotations cannot carry, though it says nothing about permissions or processing time.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.