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. 'List' implies a read-only operation and the scope to the authenticated user is stated, but it does not describe any side effects, return format, or limitations (e.g., pagination, sorting). This is adequate for a simple list operation but not rich in behavioral detail.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.