Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose one important behavioral trait: the record is distinctly typed and can never count as a sealed check or graded requirement. That is genuine value, but it omits permissions/auth needs, immutability or reversibility, and whether the write is idempotent for a mutation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.