Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does it well: it discloses ownership restriction, the future-denial side effect, that existing accounts remain functional, the 404 error for unknown ids, and cost. This is unusually complete behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.