Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations at all, the description carries the full behavior burden. It does earn credit for disclosing a concrete failure mode ("Refuses account-bound models with ACCOUNT_REQUIRED"), which is exactly the kind of error-surface information an agent needs, but says nothing about read-only semantics, auth requirements, or what a not-found slug returns.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.