Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden. It discloses that the tool performs an FTS5 keyword search over all ingested exchanges, which is useful, but it does not state whether the operation is read-only, how results are ordered or paginated, or how session_id and cross_session affect the search scope.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.