Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full disclosure burden. It communicates that this is a write operation ('Add') and defines what a quest is, but it doesn't state what state the quest starts in, whether duplicates are allowed, whether 'open' is the default state, what side effects occur, or what the response looks like. For a mutation tool with zero annotation coverage, this is a meaningful gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.