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. While 'insert' implies a write operation, it doesn't disclose permissions needed, whether changes are saved automatically, what happens if no document is open, or error conditions. The description adds minimal behavioral context beyond the basic action.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.