Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose the important guard: the tool will only quit an instance this server started, implying a no-op or error otherwise. However, for a terminate operation it says nothing about unsaved state, whether the quit is graceful or forced, or what happens to in-flight work — gaps that matter for a mutation of this severity.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.