Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the generic write/non-destructive/non-open-world profile. The description adds real behavior: the estimate is recomputed from the file saved with the original quote (no re-upload), the result is persisted, a new private link is issued, and the earlier link keeps serving the earlier quote. The last point is a non-obvious versioning guarantee the agent cannot infer from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.