Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses the per-call price ($0.10), which no structured field covers, but says nothing about authentication, rate limits, failure behavior for an invalid CNPJ, or whether the call is read-only — leaving meaningful gaps for a billed lookup operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.