Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare destructiveHint=true, but the description goes further, explaining exactly what is destroyed: this is a WHOLESALE replace and an empty/omitted description clears the existing value. That is the precise operational consequence an agent needs and annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.