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 only states 'List recurring invoice templates,' which implies a read-only operation but does not disclose pagination behavior, return structure, or any other side effects or requirements. The minimal phrasing adds little beyond the function name.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.