Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses the cost model ('5 point per returned record'), which is genuine behavioral context an agent needs before calling. It does not mention auth requirements, rate limits, or failure behavior when the code is unknown, so it adds some but not rich coverage.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.