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 auth prerequisite ('Requires: token') and explains the meaning of the last_message_author value, which is real behavioral context. It stops short of pagination, ordering, or result-size behavior for a listing endpoint.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.