Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the full behavioral burden, but it only states that a character is created. It does not disclose mutation/side effects, validation requirements, whether the creation is tied to a campaign, or any irreversible consequences.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.