Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses a quota (3 free calls/day) and an entitlement gate ('ledger'), which is real behavioral context an agent should know before invoking. It says nothing about side effects, idempotency, latency, or whether the routing is purely advisory, so disclosure is partial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.