Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=false, destructiveHint=false, and openWorldHint=false; the description adds meaningful context that a person reads every report and nothing is run or changed automatically, clarifying the submission is inert. This is useful beyond the annotations, though it could be read as slightly at odds with the non-readonly hint.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.