Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=false and openWorldHint=true; the description supplies far more: a sourcing preference order (Wikipedia free-license portrait, else self-published photo), a cost model (~$0.007, credit-funded), a budget cap with default and maximum, the chargedUsd reporting, licensing/attribution obligations, and a required write scope. This is exactly the context annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.