Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral disclosure burden. It clearly states that the tool returns all field metadata and implies a read-only, non-submitting nature by instructing the caller to pass answers separately to submit_enquiry. It does not go into exhaustive detail about output format or edge cases, but for a simple metadata listing it is transparent enough.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.