Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, and the description adds genuinely new behavioral context: it returns a link, files are generated in the browser, crew data travels in a URL fragment never sent to the server, and SSN digits are entered only client-side. This is exactly the extra context structured fields 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.