Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (non-read-only, non-destructive, open-world, non-idempotent), and the description adds substantial context beyond them: the report is human-reviewed, nothing is published automatically, and the record is unchanged until verified. It also adds a privacy constraint about not sending personal details, which is genuine behavioral guidance not captured anywhere in the 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.