Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations establish the operation is a non-read-only, non-destructive, closed-world mutation. The description adds meaningful behavior beyond that: it discloses that the same carry runs in both directions and that the trim window, hand-corrected calls and annotations are restored rather than orphaned on indices the file does not have. This is substantive state-change detail the annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.