Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral transparency. It merely says 'Update' without explaining how stock levels are changed, what value is used, whether it is idempotent, or if special permissions are needed. The schema only has productId, so it is unclear how the new stock level is specified.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.