Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden. 'List' clearly implies a read-only operation and there is no misleading destructive implication. Still, it does not disclose pagination, ordering, authentication requirements, or response shape beyond what 'list' implies.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.