Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations supply destructiveHint=true, and the description adds nothing beyond the HTTP endpoint (POST /folders). It does not disclose permission requirements, duplicate-name behavior, what the accessLevel default is, or what the call returns. With annotations present, the description is expected to add context and does not.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.