Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the burden and does meaningful work: it discloses sort order (newest effective date first), an authorization requirement (owner or office with see_prices), field-level redaction (cost_minor null when costs are not visible), and how the current price is derived. It does not discuss volume limits or what happens for an item with no history, but the key behavioral facts are present.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.