Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it discloses the most important behavioral trait: this tool does not verify signatures, meaning it will decode tokens regardless of validity. It also implies a read-only, non-mutating operation by saying 'decode and display', which is sufficient for this simple tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.