Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations supplied, the description carries the full burden and it does disclose the key behavior: it reads the FIGMA_TOKEN credential and returns the account behind it, which implies a read-only, non-mutating call. It omits what happens on an invalid or missing token (error vs. empty result) and does not characterize the response payload, which matters given there is no output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.