Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does reasonably well: it discloses the complete shape of what is returned, including conditional content ('the allowed options where there are any'), and ties the result to a downstream write via submit_enquiry. It never explicitly states this is a read-only, no-side-effect lookup, which is the main remaining gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.