Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden, and it does disclose genuinely useful traits: it is 'fail-closed' and 'cannot sign, send or activate a mandate,' signaling a non-committal preparation step that respects eligibility review. It omits whether any state is persisted, what permissions are required, and what happens to unmatched or incomplete input, so it is partial rather than complete.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.