Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose key operating traits: cost of €0.0005 per call, the required 'Authorization: Bearer' credential, and the substantive behavior that add_business_days skips weekends and public holidays. It does not say what happens on invalid tz names, missing required per-op params, or whether errors are billed, leaving a meaningful gap for a mutating-cost, multi-op tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.