Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full burden. It discloses that the tool takes a caller-provided list, ranks by worst-regret, and produces a signed receipt. It also explains the limitation about auto-discovery. It lacks details like whether it is read-only, but overall is fairly transparent for a tool that produces a receipt.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.