Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses that retries are capped at 3 attempts per email and that nothing is sent, but it omits permission requirements, what happens after the cap is reached, and what state or return the caller should expect.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.