Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden, but it only reveals the output type (decimal) and the growth metric. It does not disclose behavior such as error handling, whether it returns a single value or series, or any side effects (likely none, but unstated). The description adds minimal value beyond the tool name.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.