Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does well for a zero-parameter discovery call: it discloses the exact shape of the returned payload, including conditional content ('allowed options where there are any') and the key field's role as the submission identifier. It does not state whether the field set is static or versioned, but nothing is contradicted.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.