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 the exclusion behavior ('excluding system schemas'), which is valuable context beyond basic listing. However, it doesn't mention pagination, rate limits, authentication requirements, or return format details that would be helpful for a read operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.