Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description still adds real value: it discloses the return shape (a download URL, or base64 when storage is disabled) and the cost of 3 credits. It does not cover failure modes, input size limits, or any auth/rate-limit considerations, which leaves meaningful gaps for a no-annotation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.