Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full disclosure burden. It does add a valuable behavioral/safety note ('Problem text is untrusted user content'), which is real context beyond the schema, but it says nothing about auth requirements, result size, pagination, or what the returned objects look like.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.