Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden, but it only says 'List all collections', which conveys a read-only listing and an 'all' scope. It does not disclose whether nested collections are included, how results are returned, or that it operates on the current/default library.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.