Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must disclose behavioral traits. It fails to state whether the tool performs a calculation, mutates data, or requires specific prerequisites. The word 'net_worth' implies computation, but the description does not confirm this or describe any side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.