Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses that approval_id and status are returned and that the email token is not returned, but it omits whether the call triggers an email, whether repeated calls create duplicate requests, and what happens on denial or timeout.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.