Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations supplied, the description carries the full burden and does disclose genuinely useful behavior: the price (€0.0005 per request), the billing/auth mechanism (API key in Authorization: Bearer), and the 20,000-character input ceiling. It omits error behavior for empty/short text and any rate limits, keeping it below a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.