Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (read-only, idempotent, closed-world), and the description adds non-obvious behavior beyond them: ambiguous phrases come back with all candidates rather than a best guess, options incompatible with the current selection are surfaced, and unplaceable words are reported. That is exactly the decision-shaping behavior an agent needs and cannot get from the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.