Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden. It discloses that filtering is optional and indicates the output fields, which is useful. However, it does not state what happens when no filter is provided, whether this is a read-only operation, or how filtering behaves with the filterKey/filterValue parameters.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.