Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure, and it excels: it states that the tool is read-only, stores nothing, requires WHENPEAK_API_KEY, reads only that account's history, returns a not_configured error without a key, and each call counts against the monthly quota. It also clarifies the limitation that it's only meaningful where the server uses the user's own key.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.