Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full burden. It only states 'Generate hash of text' without disclosing that it supports multiple algorithms, the deterministic nature, or any security implications. Schema provides algorithm options but description adds no behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.