Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the safety profile (readOnly=false, destructive=false, openWorld=false); the description goes well beyond them by disclosing uniqueness semantics (case- and whitespace-insensitive per owner), a specific error code, and a no-retry/no-modify policy. That is exactly the mutation-context an agent needs and cannot get from the annotations or schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.