Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It adds real value by noting the output includes a table of contents and that file_url must be a public URL, but it omits permissions, rate limits, failure modes, or what the conversion produces beyond the TOC note.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.