Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/openWorld/non-destructive, and the description goes well beyond that by disclosing the evaluation algorithm (most specific user-agent group, longest matching rule, Allow wins ties, * and $ wildcards) and the nature of the result (allowed/blocked per crawler plus the deciding rule). The optional override of the live file is also made explicit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.