Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the safety burden. It clearly warns that invalid auth leads to a payment_required envelope with next_actions, which is a behavioral trait. It also mentions the schema_version, implying structure stability. This goes beyond a simple 'returns data' statement, though it could disclose limitations like rate limits or whether results are sorted.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.