Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, destructiveHint=false, openWorldHint=true), and the description adds value beyond them: it discloses that external sources are read, that an allowance is consumed, and that admin privilege is required. It stops short of describing latency or what happens when the allowance is exhausted.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.