Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden: it does disclose a filter (only currently active codes) and a sort order (discount descending), which is genuine behavioral value. However, it says nothing about authentication needs, result size/pagination relative to the limit param, or what the returned code data looks like.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.