Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose real side effects: it may charge a price ('pays its price if any') and logs the action to a learning record. These are meaningful behavioral facts an agent needs, though auth requirements beyond the schema and the failure/cost semantics are left implicit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.