Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations supplied, the description carries the full burden; it does disclose two useful behavioral traits — a 2-credit cost and newest-first ordering — that are not in the schema. However, it does not state what happens when 'query' is omitted (all three parameters are optional), what the result records contain, or any pagination/volume limits. That leaves significant behavioral gaps for a zero-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.