Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only say non-read-only, idempotent, non-destructive. The description adds genuinely new behavior: changesets are reversible, concurrency is optimistic via per-cell expectedVersion, cleared cells must carry null with their version, and retries have an idempotency/ambiguity caveat. That is substantial disclosure beyond the annotation set.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.