Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the generic write profile (readOnlyHint=false, idempotentHint=false, openWorldHint=true); the description adds the genuinely useful traits: nothing is published until approval, findings are stamped by Mundane (approval date, coarse area, capability, photo count), and the worker's name is never carried. It also enumerates the four structured error outcomes, which the 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.