Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose one important trait: the password is not returned. However, it omits whether the form is submitted (the schema has a `fields.submit` entry), what happens on failure, what permissions/state are required, and whether navigation occurs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.