Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden. It implies a read operation (finding names) and does not mention any side effects, pagination, or error behavior. For a simple lookup, this is adequate but not detailed; it could disclose that it returns a list or that results are limited by the limit parameter.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.