Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral disclosure burden. It discloses the base64 encoding, flat pricing per call, and the 4MB retrieval limitation. This is useful behavioral context, though it doesn't describe error behavior or authentication requirements.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.