Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses the output contents thoroughly (six field properties and conditional allowed options) and implicitly signals a read-only operation by describing a listing rather than a mutation. It could explicitly say 'this does not submit the enquiry', but the submit_enquiry reference makes that clear enough.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.