Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does real work: it discloses the access-control model (active listings public; draft/sold/closed/expired restricted to owner) and the failure mode when the identity isn't configured (reported as not found). It omits rate limits and output shape, but the output schema covers the latter.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.