Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations provide significant behavioral information (readOnlyHint=false, openWorldHint=true, idempotentHint=true, destructiveHint=false), so the description's burden is reduced. The description adds minimal context beyond this - it doesn't mention cost implications, that VPC creation is a foundational networking operation, or typical completion time. However, it doesn't contradict the annotations either.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.