Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. 'List layers with colors' implies a read-only operation and indicates that colors are included in the result, but it does not disclose behavior such as whether all layers are listed, whether hidden layers are included, or if a drawing must be open. This is minimal but not misleading for a simple query tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.