Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the behavioral load. It partially does so by revealing the returned dimensions (txs, bytes, usage vs capacity, min fee, total fees) and that a 'busy/normal verdict' is computed, which implies a read-only informational tool. It says nothing about permissions, freshness/refresh cadence, or failure modes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.