Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It only restates that a transaction starts and gives no information about side effects, connection/session scoping, whether nested transactions are allowed, what happens to subsequent operations, or what a successful start returns.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.