Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden; it does disclose two real behavioral traits — the 10-hop cap and a cost of 1 credit per call — plus the shape of what it reports. It does not cover error behavior when the hop limit is exceeded, timeout/pagination behavior, or whether it needs any auth, but for a simple read tool the disclosures it makes are meaningful.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.