Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, idempotent, non-destructive), and the description adds genuinely non-obvious behavior: dates are projected from filing cadence, are 'held' rather than rolled, and are flagged overdue when a projection lapses. That derivation rule is exactly the kind of trait an agent cannot get from 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.