Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare the write-ish, open-world, non-idempotent profile, and the description adds real value beyond them: credentials stay on the local machine and cookies are never returned to the model. That privacy/side-effect disclosure is exactly the kind of context annotations cannot express, though nothing is said about what happens on repeated calls or about timeouts.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.