Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the description's job is lighter; it still adds the credit cost ('Costs 1 credit') and the accent-insensitive matching behavior, both of which are real traits not captured in structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.