Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description carries the transparency burden. It states 'REQUIRED: none' and the example 'templates_list({})' show it takes no arguments, and 'for the authenticated user' scopes the data, and the mirroring note suggests a stable contract. It does not describe return shape, but for a no-argument list operation the major behavioral risk is low.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.