Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden. It discloses that the collection is persistent and local, and that the tool may either create or retrieve, which implies an idempotent side-effect profile. However, it does not state what happens if the collection already exists, what is returned, or any error behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.