Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description carries the full disclosure burden, and it does add real operational context: a fixed cost of 3 credits and a Bearer api_key auth requirement. It stops short of describing failure modes (private/nonexistent accounts) or rate limits, but the cost and auth disclosure is genuinely useful.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.