Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full behavioral burden and discloses nothing: not the required permissions, not whether id must be unique or is immutable, not side effects, and not what configuration objects (mobile_push, payment_config, logistics_config) do at creation time. A mutation tool with 8 params gets no disclosure at all.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.