Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden, and it discloses almost nothing: "Includes the complete prompt, usage guide, and edge-case handling" implies the return is a packaged prompt artifact, but it never says whether the tool retrieves, generates, or executes anything, nor any side effects or prerequisites. Only the composition of the payload is hinted at.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.