Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations establish the mutation profile (readOnlyHint=false, destructiveHint=false), and the description adds real behavioral context beyond that: the place is verified on the map, the creator becomes the first member, and the wording requires their approval. That approval/verification detail is exactly the kind of context annotations can't carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.