Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full load, and it does disclose the matching behavior (all words, any order, case-insensitive) and the searched fields. It says nothing about pagination behavior, default page size, ordering default, or the 50-item cap that the schema imposes, so the behavioral picture is only partial for a read tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.