Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full transparency burden. It discloses the return payload (form name, ID, field definitions with label/type/required) and implies a read-only operation via 'List' and 'Returns'. It could more explicitly state that it has no side effects, but it is largely transparent for a simple list tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.