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. It only states what the tool does ('retrieves account list') without describing how it behaves: no information about pagination, sorting, filtering, rate limits, authentication requirements, or what the return format looks like.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.