Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare only the coarse profile (not read-only, open-world, not idempotent, non-destructive). The description adds substantive behavior the annotations cannot convey: a cached snapshot from the last 12 hours is returned rather than paying for a new one, the reason is index lag, and retries must reuse the same idempotency_key. That is exactly the credit-spend and dedup context an agent needs before calling.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.