Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose the critical destructive-vs-merge semantics (data replaces entirely; month+total merges). However, it omits what happens if no parameters are passed, what happens if both modes are supplied, and whether any permissions are required, leaving real behavioral gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.