Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the burden and usefully discloses that the response includes sensitive data (the API key), that credit batches are ordered by soonest expiry, and that returned data should be treated as untrusted. It does not describe authentication requirements, but it clearly frames the operation as a read.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.