Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (non-destructive, idempotent), so the bar is lower. The description adds real value beyond them by disclosing that group state and capacity are re-validated before confirmation, warning the agent that the prepare step can go stale.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.