Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnly=false, idempotent=false, destructive=false. The description adds real behavior beyond that: ownership and visibility ('owned by and visible to you'), the language default, a readback verification step through get_survey, and atomicity ('on failure nothing is left behind').
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.