Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral disclosure burden. It communicates that the operation is a read-only listing of the account's contacts, which implies no destructive side effects. It does not mention authentication, data freshness, or potential errors, but those are secondary for such a straightforward getter.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.