Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the safety flags (non-readonly, non-idempotent, non-destructive). The description adds substantial behavior beyond them: single-use default, max_uses for multi-recipient, the message flow (user forwards, recipient opens link or tells THEIR assistant the code). That workflow context is exactly what 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.