Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=false and destructiveHint=false; the description adds owner-only authorization, the version-increment side effect, manifest schema conformance plus the no-API-key constraint, and partial-update semantics ('Only send the fields you want to change'). This is exactly the behavioral context structured fields don't carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.