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. 'List ledger updates' implies a read-only operation but doesn't specify permissions needed, rate limits, pagination behavior beyond the schema parameters, or what format the updates are returned in. It lacks critical context for safe and effective use.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.