Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It clarifies that only the authenticated user's own collections are returned, implying an auth requirement and read-only nature. However, it does not disclose error cases, rate limits, or pagination behavior beyond what the schema hints at.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.