Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses the data-scope constraint '(counts only; never your encrypted house)', which tells the agent the result is aggregated and privacy-limited. It does not explicitly confirm this is a read-only operation, nor describe auth, errors, or rate behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.