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 tool consumes credits and lists the 11 sections, but it does not cover permissions, whether the brief is persisted, idempotency, or execution characteristics.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.