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 supply useful behaviour: no API key, no SMTP setup, and a metered 5-call free trial tied to a signed wallet. That tells the agent about authentication and rate limits. It does not disclose what a result looks like (boolean vs. per-check breakdown) or how partial/invalid input is treated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.