Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose non-obvious behavior: a public delay is enforced, data is in raw token units, and USD applies only to USDC. It omits pagination, rate limits, ordering, and auth requirements, so it is useful but incomplete for a no-annotation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.