Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses that either metric can be computed ('and/or') and defines the formulas, which signals the optional-parameter model, but it omits authentication expectations (the api_key param), error behavior, and whether both metrics return together.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.