Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses the response shape ('each value with unit and reference date') and the cost ('$0.005'), which are non-obvious traits. It says nothing about authentication needs, rate limits, update cadence, or whether historical values are retrievable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.