Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It discloses the output fields and the cashback-eligible scope, but does not state that it is a read-only operation, nor address result limits, pagination, or error behavior. For an unannotated tool, this is a meaningful gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.