Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full responsibility for behavioral disclosure. It merely states 'Get spot borrow quota' without explaining whether the operation is read-only, what the quota represents (e.g., maximum borrowable amount), or any side effects. This minimal disclosure leaves the agent underinformed about the tool's behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.