Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It does useful work by disclosing that refresh=true triggers a live pull from the provider (implying extra latency or provider round-trip) and by listing the returned profile fields. It says nothing about auth requirements, error behavior, or whether refresh has cost/side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.