Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden but only states the basic action. It doesn't disclose whether this is a read-only operation, if it requires authentication, what the output format looks like, or any rate limits. For a list operation with zero annotation coverage, this is insufficient behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.