Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden. It discloses that the tool requires a Pro key, returns a URL to a chart image, and supports PNG/SVG/PDF. This is useful behavioral context beyond the schema, though it does not detail error handling or data source behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.