Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden, and it only discloses the 3-credit cost. It does not state whether this is a read-only lookup, how enrichment behaves if a profile is not found, whether calls are idempotent, or what a successful/cached lookup returns.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.