Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the full behavioral burden. It usefully discloses that the call is pay-per-call at $0.005 USDC, which an agent needs for cost-awareness, but says nothing about read-only nature, latency, caching, or what assumptions the 'estimated transfer cost' makes (e.g., transfer type or default gas limit).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.