Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral disclosure burden. It communicates that this is an informational, read-style retrieval and includes educational/legal disclaimers ('Educational only', 'Not financial advice', 'Not an FSP/CASP', 'DYOR'). It does not describe output format, size, or whether the tool has other side effects, but for a simple retrieval the core behavior is reasonably clear.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.