Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly=false, idempotent=false, destructive=false). The description adds non-obvious context: the createToken enables a retryable create, the document capability must be kept private and reused in later calls, and resourceUri is host-bridge-only. It doesn't spell out the create-vs-resume parameter contract, but it adds real value beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.