Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, but it does add real value by disclosing the return vocabulary ('verified_on_roll', 'watching_roll', 'stalled_needs_followup'), which tells the agent this is a read-style reconciliation check. It says nothing about record freshness, permission requirements, or whether it mutates state, leaving gaps for an unannotated tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.