Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full responsibility for behavioral disclosure. It accurately describes a read-only listing operation (no destructive side effects), but does not disclose details like whether the active account is returned as part of the list or separately, what the output format is (since no output schema), or whether this command requires prior authentication.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.