Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose useful behavior: what is decoded, the reported fields (exp, iat, expired), the conditional HMAC path, and that valid is null when no secret is supplied. It omits error handling, malformed-token behavior, and the pricing note's implications beyond the free-trial line.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.