Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose some behavior: newest-first ordering, a 200 cap on limit, and that matured claims carry text and salt. It omits, however, what 'matured' means, whether results are paginated, and whether tenant scoping has any auth implications.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.