Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden. It clearly states the tool returns annual national crime estimates from the FBI CDE and documents defaults. It does not disclose potential limitations, error behavior, or rate limits, but for a read-only query tool this is acceptable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.