Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations and no output schema, the description carries the full behavioral burden. It usefully discloses domain semantics (a template is a PDF with placed fields and named signer roles, approver_slots holds approving roles), but says nothing about return format, pagination, or scope limits for a list operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.