Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses two useful traits: an auth requirement ('Requires API key') and the downstream review path (owner review via award or dispute flow). It omits whether resubmission is allowed, what happens on failure, and any rate limits, so it only partially covers the behavioral profile.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.