Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full burden. It only states the action without disclosing side effects (e.g., whether refunds are immediate, reversible, or affect payment status). It also does not mention partial refund behavior beyond the schema's amount description.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.