Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=true, and the description adds a lot beyond that: server-side authorization recheck, hidden/test-record isolation, a fixed page size of 50 with nextCursor paging, total returned only on the first page, phone numbers never returned, and the meaning of isCloud=true (user hasn't onboarded, so no chat or task assignment). This is exactly the behavioral context annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.