Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations at all, the description carries the full burden and does real work: it discloses that capital gets deployed per roster weights and risk caps, that the main platform router is paused while active, and that the rationale is published publicly on the manager's log. Missing are permissions/prerequisites (fund must exist and be inactive) and reversibility, which is why it stops short of 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.