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 the return value ('returns the padded string') and the default width, which is real behavioral content. It says nothing about what happens when the value exceeds the requested width, whether it truncates, or what the '5 free trial calls per signed wallet' implies for limits/auth beyond a marketing hint.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.