Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does meaningful work: it discloses read-only semantics, that records are never charged, and that they never count toward Doing Work fees — non-obvious domain behavior an agent could not guess. It omits pagination behavior despite a limit parameter, keeping it from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.