Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare destructiveHint=false, and the description adds the material behavior the agent actually needs: auth requirement, that preview is the default mode, that a cryptographic previewHash must round-trip to commit, and that consent must be affirmatively true. It also scopes the blast radius by stating signups/check-ins and private-domain audiences are untouched, which is exactly the reassurance a mutation tool needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.