Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does well: it discloses the billing model, that charges only confirm on business success, and that violations, timeouts, or generation failures auto-refund in full. It omits return shape and latency expectations, keeping it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.