Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden. It correctly states 'READ-ONLY', signaling no mutation. However, it does not disclose whether the tool returns a list or single invoice, pagination behavior, or error handling. The minimal disclosure meets basic needs but lacks completeness.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.