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 disclose useful operational context the schema cannot: pay-per-call pricing of $0.01 in USDC on Base. It also enumerates the normalization passes. However, it says nothing about idempotency, whether the original text is returned unmodified on failure, or the return shape, so the behavioral picture is only partial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.