Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It does disclose the auth requirement ('registered-user JWT') and what the payload contains (summary plus daily timeline), which is real added context. It omits read-only guarantees, rate limiting, and any pagination or granularity caveats.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.