Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only supply destructiveHint=false, so the description carries most of the behavioral burden and does so: it explains the two-sided confirmation model (author and claimer each confirm, both required), points to authorDone/claimerDone as the state to inspect, requires login, and gives concrete error-code semantics with no-retry instructions. That is exactly the operational context annotations do not provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.