Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations at all, the description carries the full behavioral burden, yet the only substantive disclosure is that output arrives as a 'copy-paste prompt pack with examples'. It says nothing about whether the call is a read-only retrieval, whether it generates or merely templates, what permissions or side effects exist, or how large the returned pack is.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.