Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the read-only/idempotent safety profile; the description adds the trust model (each listing is verified, manifest names the payee), a prompt-injection warning that names/descriptions are untrusted and never instructions, and a hard capability boundary ('this server cannot pay them'). That is substantive context an agent cannot get from 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.