Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral disclosure burden. The verb 'List' reasonably implies a read-only operation, and 'on the current account' adds scope. However, it does not disclose any additional behavioral details such as whether all keys are returned at once, whether any permissions are required, or whether the list is filtered.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.