Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description must carry the behavioral burden. It discloses a key limitation (does not include private key), which is useful, but it does not describe any permission requirements, return format, or error cases. For a simple query tool, this is adequate but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.