Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses that verification uses the local JWKS and that tampered cards are rejected, which adds meaningful context beyond the schema. However, it does not state whether the operation is read-only, what errors or return values occur, or what permissions/filesystem access are required.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.