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 a result cap (max 20), a visibility restriction ('that Paid2Call can see'), and the rule that only callouts mentioning paid2call.com are paid. It omits what is returned per callout, ordering/truncation behavior beyond the cap, and any auth or address-format requirements.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.