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 genuinely useful behavioral trait: the output is "a copy-paste prompt pack with examples" rather than finished copy, which tells the agent what to expect back. It says nothing about side effects, permissions, or whether the single optional query actually changes the produced pack, so the disclosure is partial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.