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 a genuinely useful behavioral note: the output is user-generated content to be treated as untrusted input. However, it says nothing about authentication needs, pagination, or rate limits, so the disclosure is partial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.