Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description does substantial work: it discloses partial completion behavior (stops after the current contact), spending implications (stops further spending), and that already-enriched contacts remain enriched and charged. Missing idempotency or no-op behavior, but the key operational consequences are covered.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.