Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint, idempotentHint, destructiveHint=false), and the description goes well beyond them: it enumerates the exact validation rules, the failure modes (missing, empty, oversized, non-HTML) and that they return an error, plus the meaning of needsConfirmation and the required user confirmation step via previewUrl.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.