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 cost ('Free'), freshness guarantees ('generated from the same registry the paid endpoint validates against, so it is never stale'), and the shape of what comes back. It doesn't state read-only semantics explicitly, but 'catalog' and 'Free' strongly imply it.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.