Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does much of it: it discloses cost ('Free'), the negative return boundary (no toll numbers), and that freshness metadata is included. It does not cover auth needs, format, or pagination, but for a zero-parameter read-only listing that is a reasonable disclosure level.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.