Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses the required auth header (x-wavepay-service-key with an mk_live_…/mk_test_… key), which is real context an agent needs, but it says nothing about read-only vs mutating behavior, pagination, rate limits, or response shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.