Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden for behavioral disclosure. It states what the tool returns but doesn't mention whether this requires specific permissions, what format the list uses, whether it's cached or real-time data, or any rate limits. For a tool with zero annotation coverage, this is insufficient.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.