Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the burden. It adds meaningful context: not just what is returned, but also the server's boundary ('it never adjudicates') and that it includes what the server verifies. This goes beyond the tool name, though it doesn't discuss side effects or failure modes (still a read-only getter).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.