Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=true, destructiveHint=false, openWorldHint=true), and the description adds genuinely useful detail beyond that: the exact payload an agent gets back (type, allowed values, max length, required flag, mail-merge text) plus the underlying REST route. That return-shape disclosure matters because there is no output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.