Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses the required access scope ('folder:read'), which implies a non-mutating operation, but it does not describe return format, pagination, or whether nested folders are included. This is a modest disclosure above the inherent behavior suggested by 'list'.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.