Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does add real value: it states the data is scoped to the authenticated user (an auth requirement) and that encrypted contents are never returned. It says nothing about paging cost, rate limits, or that unauthenticated calls fail, which a mutation-free list tool would still benefit from.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.