Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations supplied, the description must carry the behavioral burden. 'List' implies a read-only, side-effect-free operation and the filter condition is disclosed, but nothing is said about ordering, whether the result is a full or partial set, or what a 'character' record contains. It covers the safe basics but leaves meaningful behavioral gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.