Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full transparency burden. It discloses auth/payment methods, per-call cost, the read-style nature of the tool, the report sections, and the behavior that unavailable sections are labeled 'unavailable'. It does not mention freshness, rate limits, or output formatting, but the output schema presumably covers return structure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.