Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does disclose meaningful behavior: low-confidence matches normally pause, confirm_all suppresses that pause, and store selection falls back to preferred_store or cheapest. It omits auth/login prerequisites (notable given login_* siblings) and failure behavior, but the confidence-pause semantics are genuinely useful disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.