Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the safety quad (non-readOnly, non-idempotent, non-destructive). The description adds real behavioral context the annotations cannot: snapshot semantics (later curator edits don't affect your copy), what is and isn't carried over (questions/model/settings yes, prompt wording no), and the name-default behavior. This is exactly the value-add expected beyond structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.