Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose one genuine behavioral fact: a cost of 1 credit per call. However, it says nothing about determinism, idempotency, input limits (the 100000-char cap), or that hashing/encoding are pure read-only operations, so meaningful gaps remain.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.