Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It clearly indicates a read-only list operation, but does not disclose potential behaviors such as real-time data, authentication needs, or what exactly is returned. The protocol note is context but not a behavioral disclosure for the tool itself.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.