Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It does disclose the key effect (sets the default account for all telegram_* calls), but says nothing about persistence, whether the target account must already be connected, failure behavior for an unknown account, or how the change is reverted. Adequate but with real gaps for a state-mutating tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.