Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint, openWorldHint) and an output schema exists, so the description's job is smaller. It still adds real value by disclosing that hours/capability embeds are NOT included, which tells the agent what data to expect from the response.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.