Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the safety profile (readOnlyHint=false, destructiveHint=false, idempotentHint=false); the description adds substantive traits beyond that: 30-minute expiry, one-time use, format and 10MB size limits, and the explicit statement that creating the link sends nothing and costs nothing. These are exactly the constraints an agent needs before invoking.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.