Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses the access-control model (owner and members only), which an annotation-free schema would not convey, but says nothing about ordering, pagination, or what happens for a non-member caller; a read-only list tool needs less, but the coverage is partial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.