Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations at all, the description carries the full burden and does well: it discloses per-document pricing (€0.006), the auth mechanism (API key via Authorization: Bearer), and several non-obvious defaults (A4, print_css true, footer auto-appends page numbers). What it omits is failure behavior, rate limits, or whether a charge occurs on error.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.