Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations at all, the description carries the full burden, and it does disclose the key consequence of omission — credits keep running until the session is closed. It does not say whether the call is idempotent, what happens if no session exists, or whether any session state is lost.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.