Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses an authentication requirement ('Requires compactions:run for API keys'), which is genuine added context. However it says nothing about whether the estimate is a pure read, whether it has side effects, rate limits, or the shape of the returned cost value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.