Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden; it does convey the read-only nature implicitly ("View", "see", "Shows") and discloses the categories of data exposed. It stops there, saying nothing about permissions/auth requirements, per-call cost, or whether the profile is scoped to the calling agent versus a shared vault.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.