Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral disclosure. It only says 'retrieve', implying a read-only operation, but does not explain authentication needs, error handling, or what happens if the transaction does not exist. This is insufficient for a tool with no annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.