Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only tell the agent this is a non-read-only, non-destructive write. The description adds genuinely useful context beyond that: operator authorisation is mandatory, terms must be accepted, three sessions are free, and registration does not authorise payment. It still omits what happens on success (e.g. account/token creation), but the auth and cost boundaries are valuable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.