Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the behavioral burden, and it does disclose two concrete traits: a cost of 1 credit and the required Authorization: Bearer <api_key> header. It still omits error behavior, pagination/rate limits, and whether the target must be public, so it is useful but incomplete.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.