Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden, and it does useful work: "List" implies a safe read, and the qualifier "indicative" on crypto_prices is a genuine caveat telling the agent those figures are not executable quotes. The volume-discount note also describes the shape of the data. It stops short of mentioning auth requirements or whether the bundle catalogue is static.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.