Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden and does so thoroughly: cost ($0.02 USDC via x402), 404-not-charged for tokens with no call, 503-not-charged for stale data, 30s rewrite cadence, 180s freshness limit, and an explicit privacy note that no chat names/callers/message text are returned. This is exactly the operational context an agent needs before calling.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.