Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It does disclose a meaningful behavioral constraint — the result is scoped to the authenticated user, not an arbitrary user — which tells the agent the operation needs an authenticated session. It says nothing about the returned payload's shape or error behavior when unauthenticated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.