Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden; it does disclose that this performs an actual live round-trip and validates credentials, which tells the agent it is not a cached/static read. However, it says nothing about side effects, rate limits, or what a failure looks like (auth error versus unreachable host), which matters for a network-dependent check.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.