Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description carries the full behavioral burden. It usefully discloses the auth requirement, that the payload is returned decrypted, and that access is governed by owner+privacy rules — real behavioral context — but says nothing about side effects, rate limits, or error behavior for a tool that exposes sensitive session data.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.