Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full burden. It explains the calculation formula (2.5/month) and returned values (days earned and working day equivalent), which is transparent for a read-only computation. However, it does not discuss error handling, permissions, or behavior with zero months. Still, it provides sufficient behavioral insight.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.