Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose meaningful matching semantics: all words, any order, case-insensitive. That is genuinely useful behavior beyond the schema. It omits, however, pagination behavior, default page size, sort/relevance defaults, and result limits, so the 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.