Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose one key trait: the check runs "without mutating the active workbook," i.e. it is non-destructive. It says nothing about what happens on an invalid formula (error vs. returned diagnostics) or whether the active workbook must be open, leaving significant behavioral gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.