Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses the return format ('names and descriptions') and that all listed tools are callable by name, but does not address safety, permissions, or rate limits. It is adequate for a simple read-only listing but not rich in 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.