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 the response is split by house/unit and includes a peer rank, but it leaves ambiguity about whether the result is a list or counts, what 'peers' means, and how missing or invalid suburbs are handled.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.