Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose two valuable behavioral facts: the call is read-only and free, while downstream purchasing consumes credits. It does not cover pagination, result size, or return shape, but the cost/safety profile — the most consequential trait here — is clearly communicated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.