Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does so well: it discloses the 20 s rewrite cadence, the 120 s staleness cutoff with a 503 refusal, that refused calls are not charged, and the $0.02 USDC x402 cost. This is exactly the operational context an agent needs and cannot get from the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.