Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral disclosure. It only states that a payroll period is marked as paid but does not disclose consequences (e.g., irreversibility, triggering of payments), required prior states, or any side effects. This is insufficient for a state-mutating operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.