Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and discloses key behavior: read-only query, professional-tier subscription requirement, 20-item list cap with 422 on limit>20, offset pagination, historical total vs actual count quirks, and no time filtering. These are substantial operational details beyond what the schema alone provides.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.