Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full behavioral burden, and it delivers: it discloses cost (free), rate limiting (30 requests/min), scope (BTC only), and even that the response lists what the sample withholds. This goes well beyond the tool name and prepares the agent for what the call returns and what it omits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.