Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden and handles it well. It discloses non-custodial behavior, that no charge occurs until signing, that the agent signs with its own key, and that free services are reported as such. It omits potential failure modes or rate limits, but the core behavioral traits are transparent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.