Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden. It discloses payment requirements (API key or per-call fee), the data fields returned, optional instrument id, and meta information (contentHash, validUntil) for freshness. This provides substantial behavioral context beyond 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.