Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose useful traits: only accounts that have actually traded appear, both humans and bots are included, and no authentication is required. It omits return shape, pagination behaviour, and whether results are cached or rate limited, which matters for an unannotated public endpoint.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.