Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, but it does disclose two genuinely useful behavioral facts absent from structured data: a bearer key is required and the call returns a record id. It still omits write-side traits an agent needs, such as whether it is idempotent, what happens on duplicate student_name, or whether it replaces an existing ledger.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.