Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. "List" implies a non-mutating read and the token constraint discloses an auth prerequisite, but it says nothing about pagination, whether the catalog is a fixed enumeration or tenant-specific, or error behavior for unregistered tokens.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.