Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations supplied, the description carries the full burden. It usefully discloses that templates are composed only of MIAN sections/components and carry a default noodle and pages, giving structural context beyond the name. However it says nothing about permissions, whether the list is paginated/complete, or freshness of the catalog.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.