Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It hints that the run involves a 'restore', but never states whether that mutates persistent state, whether it is idempotent or reversible, whether auth is required, or what 'demo' implies about side effects (ephemeral vs real). For a tool that orchestrates a restore plus settlement lookup, these are material omissions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.