Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that the API key scopes the tenancy and that switching is not possible, which is important behavioral context. It also states the fields included in the return value, though it does not describe the full return shape or error behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.