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. 'Issue a refund' implies a financial mutation, but it doesn't disclose critical behaviors: whether this requires specific permissions, if it's reversible, what happens to order status post-refund, or any rate limits. For a mutation tool with zero annotation coverage, this leaves significant gaps in understanding operational impact.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.