Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that gateway credentials are used and charges/authorization are gateway-determined, which is useful auth context, but it does not state that this is a read-only lookup, whether it returns suggestion lists, or any rate-limit behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.