Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does well: it discloses the return medium (base64 PDF), the branding it pulls from shop settings (logo, accent color, license number), the version-defaulting behavior, and the non-obvious financing-link rule that depends on customer signature state. It stops short of stating that the call is side-effect-free or what permissions/brand config it depends on.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.