Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does reasonably well: it discloses that invocation is paid (0.01 USDC on Base via x402, 12 sats Cashu NUT-24, or 12 sats via L402), and that output is capped at 500 entries. It stops short of error behavior for non-sitemap URLs, gzip handling, or whether index children are followed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.