Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the entire behavioral burden, yet it discloses nothing beyond the bare operation. It does not say whether the list is scoped to the authenticated user's permissions, whether OAuth/credentials are required, whether results are paginated, or what a returned property looks like.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.