Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the generic write profile (readOnlyHint=false, idempotentHint=false, destructiveHint=false). The description adds non-obvious behavior the annotations cannot convey: that accept creates an anonymous conversation, that decline is silent, that the policy setting changes the outcome, and the fallback link behavior. It stops short of covering auth requirements for relaying on someone's behalf or what the response contains.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.