Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the disclosure burden, and it usefully describes the returned shape (key, label, type, required, help text, options) even though no output schema exists. It does not state that the call is a side-effect-free read, nor mention permissions, rate limits, or whether the field set is static or context-dependent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.