Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses the calculation rule and return values but does not explicitly state that it is a read-only, non-destructive operation or any other behavioral traits. For a calculator, this is acceptable but not exceptional.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.