Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden. It discloses that encryption uses AES, the result requires the password to open, and returns base64. It does not mention side effects like whether the original file is modified, but the behavior is sufficiently described for a simple encryption tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.