Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly=false, destructive=false, idempotent=true), so the bar is lower, yet the description adds genuinely non-structural facts: no content generation, no credit spend, no publishing, and that it saves an inactive draft. It does not describe the draft's lifecycle or how to move it out of inactive, but the credit/publish disclosure is valuable context the annotations do not carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.