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, but it only repeats the action 'list' and the resource 'file'. It does not mention side effects (likely read-only), error conditions, ordering, filtering, or what data is actually returned.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.