Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that the tool performs retrieval (RAG) and returns multiple data types, confirming it is a read-only operation. It does not mention side effects, rate limits, or auth needs, but given the nature of a query tool, the description is sufficiently transparent beyond what schema/annotations provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.