Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden and does meaningful work: it discloses the per-check price (€0.0005), that billing is tied to the Bearer API key, and that no server-side scheduling occurs. It leaves out failure/timeout behavior and any rate limits, so it is strong but not complete.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.