Resource
"Resources are designed to be application-controlled, meaning that the client application can decide how and when they should be used. Different MCP clients may handle resources differently."
Tools
From https://modelcontextprotocol.io/docs/concepts/tools:
"Tools are designed to be model-controlled,
meaning that tools are exposed from servers to clients with the
intention of the AI model being able to automatically invoke them (with a
human in the loop to grant approval)."
https://www.reddit.com/r/ClaudeAI/comments/1jso42a/mcp_resources_vs_tools/