Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that this is a read operation ('Read the bounty board') and that it deals with public bounties, implying no authentication or side effects. It also notes that 'Problems carry pledged money, and accepted work is paid,' which gives domain context, though it doesn't mention pagination or return format—acceptable for a simple list tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.