Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, but the description carries the burden well. It discloses that the tool 'Queries HUD's open ArcGIS data' (read-only behavior), 'No API key required' (auth requirements), and lists the return content. This goes beyond the schema and gives the agent confidence that nothing is modified.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.