Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses the scope ('any escrow your agent is involved in'), the data returned (state, amounts, proof details, timeline), and the performance benefit ('without polling multiple endpoints'). It does not mention error conditions or authorization, but the read-only nature is clear from 'pull' and the get prefix.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.