Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses the authentication requirement and user scoping, which is useful context. It does not explicitly state that this is a read-only operation or describe the return shape, but for a simple history query those are largely implied.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.