Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the transparency burden. It does disclose that chunks may be computed on-demand using size/overlap parameters, which is a useful behavioral trait. However, it does not explicitly state read-only status, auth requirements, or potential error conditions, though 'List' implies a safe read operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.