Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (non-destructive, idempotent, open-world), but the description adds what the annotations cannot: nothing is connected until the person approves, no password or key is passed through the tool, and the country is immutable after account creation. These are material operational facts an agent must know.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.