Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations at all, the description carries the full burden and does so: it discloses the auth/role requirement, the read-before-write requirement, the optimistic-concurrency contract (stale expectedProposal causes a 409 that must be re-read and re-confirmed), and the divergent side effects of accept (split changes) versus reject (proposal cleared, counterparty notified). That is behavior beyond anything the schema encodes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.