Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that the token is the sole credential, that the operation is a read (reveals preference state), and explicitly limits the scope ('nothing else — no email address, no CRM record'). This goes beyond the schema, though it doesn't mention error behavior or response format.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.