Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare this is a non-read-only, non-destructive write; the description adds real context on top: the output is unfinalized, has no invoice number yet, is dated today, and the call returns the new draft's id. It stops short of stating source-invoice preconditions (e.g. whether finalized or paid invoices can be cloned).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.