Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full responsibility and is exceptionally transparent: it flags the $0.02 charge, notes that risk intelligence is unavailable unless a trusted provider is configured, says results are cautious and low-confidence rather than a safety certification, and warns not to send private keys or seed phrases.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.