Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden; it does disclose the return shape (magnitude-band counts, strongest events, risk signal) and the years default of 20, which is genuinely useful. It does not state that the tool is read-only, what happens without a valid subscriber token, whether a paid plan gates it, or any rate limits. Adequate, but notable gaps for a zero-annotation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.