Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does add two real facts: the data comes from a local database (not live API) and returned content is user-generated and untrusted. It says nothing about auth requirements, rate limits, pagination, or what happens on a miss, which for a lookup tool with zero annotation coverage leaves gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.