Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and delivers: subscription resets weekly and is capped at max_balance, prepaid credits never expire and are consumed only after the subscription balance empties, rollover ceiling is 4× weekly_allocation, and the call itself is free in all tiers. That is precisely the behavioral context an agent needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.