Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the generic write profile (readOnlyHint=false, idempotentHint=false, destructiveHint=false); the description adds the operationally important facts: it writes immediately, it requires an explicit in-conversation confirmation, unknown exercises are refused with `candidates`, and the routine will not appear in the app for up to ~5 minutes or until the app is reopened. That is exactly the behavioral context structured fields cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.