Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=false, openWorldHint=true, idempotentHint=false and destructiveHint=false. The description goes well beyond that by disclosing the real side effects (owner notification, email delivery) and dual rate limits (per business and directory-wide), which are exactly the traits an agent needs before calling a mutating tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.