Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden. It clearly discloses the content (all fields with their metadata) and the relationship to submit_enquiry. However, it does not explicitly state whether the operation is read-only, whether it requires authentication, or whether there are any limits—though the nature of a field listing makes side effects unlikely.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.