Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Without annotations, the description carries the behavioral burden well: it discloses plan limits (100 images/month, watermark), that the API key is shown only once, and that it must be added to the server's Authorization header. It omits duplicate-email/idempotency behavior and error handling, so it is not fully complete.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.