Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full behavioral burden. It usefully discloses the auth model (OAuth sign-in or agent API key in the Authorization: Bearer header) and warns never to pass keys as arguments, which is real added context. It says nothing about pagination, result limits, or ordering for a listing operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.