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 meaningful work: it discloses a per-image price of €0.001, that billing hits the API key in the Authorization header, and the default position and opacity. It does not clarify whether url is mandatory or whether text/logo_url are mutually exclusive, and says nothing about failure modes, 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.