Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It does disclose two things structured data does not: the credit cost (1 credit) and the shape of the returned fields, which is meaningful for a paid call. It says nothing about result ordering, pagination/total counts, rate limits, or error behavior, so the mutation/consumption profile is only partially covered.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.