Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden of behavioral disclosure. 'List all payouts' implies a read-only operation but doesn't specify permissions, rate limits, pagination, or return format. For a tool with zero annotation coverage, this leaves critical behavioral traits undocumented.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.