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 two important traits: the paid-token requirement and the 50k-population cutoff that silently excludes smaller municipalities. It says nothing about sorting direction, result limits, pagination, or what happens when an invalid UF or unpaid token is supplied.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.