Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden for behavioral disclosure. 'Create' implies a write/mutation operation, but the description doesn't state whether this requires specific permissions, what happens on success/failure (e.g., returns user ID, sends email), whether it's idempotent, or any rate limits. For a user creation tool with zero annotation coverage, this leaves critical behavioral aspects unspecified.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.