Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully adds that the check is 'Free via MCP' and that it is 'v1+v2 aware', and lists what the response contains, but it does not state whether it performs a live network request, requires auth, or has rate limits, nor confirm the read-only nature explicitly.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.