Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare mutation semantics (readOnlyHint=false, destructiveHint=true, idempotentHint=true), and the description adds context those annotations cannot convey: the existing callback URL is replaced outright and the change applies to all of the account's streams going forward. That replacement/scope behavior is exactly the kind of state-change disclosure an agent needs, though no auth or permission requirements are mentioned.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.