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 one genuinely important behavior: the receipt/result does not verify sender identity, authenticity, or eligibility, and review is 'fail-closed'. That is valuable trust context, but nothing is said about mutation effects, persistence, idempotency, or auth requirements for the call itself.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.