Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does a decent job: it discloses the one-per-agent cardinality, that the stance is mutable, that it cannot override a machine-verified status, and that an api_key is required. It stops short of describing what a dispute actually triggers (scoring, downstream effects) or any response format.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.