Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. 'Create' implies a mutation, but it says nothing about side effects, whether the checklist is persisted, what happens on duplicate product/date combinations, or what is returned. This is a significant gap for an unannotated write tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.