Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It explains what the tool returns (counts, fees, capacity) and implies it is a read-only operation. It does not detail the output format or whether the data is real-time or cached, but for an overview tool, this is acceptable. The description adds value beyond the schema by listing the exact metrics.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.