Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden and does the most important part: it discloses the credit spend rate (2 per contact), flags it as a mutation that copies contacts into the workspace, and imposes an approval precondition. It does not cover auth requirements, reversibility, or failure/refund behavior, but the critical cost and mutation facts are disclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.