Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations indicate this is not read-only, not destructive, not idempotent. Description adds that the audience is 'owner-private' and 'reusable', which are useful behavioral traits beyond annotations. However, it does not disclose potential constraints like uniqueness of name or side effects of creating duplicates.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.