Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare non-read-only, non-destructive, non-idempotent, open-world. The description adds meaningful context beyond that: the transcript is persisted as a document in the workspace (a side effect worth knowing for a non-read-only tool) and the 25 MB / link-form input constraint. It stops short of explaining failure modes or format of the returned transcript, but the safety profile is already covered by annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.