Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden and does well by disclosing newest-first ordering, untrusted customer text wrapping, the new-account flag, and the privacy gate on street address and contact details. It still omits auth requirements, pagination behavior, and whether the status filter changes the result set.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.