Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral disclosure. It does state that this is an estimation using a named formula, which conveys a deterministic, read-only calculation. However, it does not explain why age is the only required parameter or what happens when maxHeartRate or restingHeartRate are omitted, leaving a meaningful behavioral gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.