Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does add one genuinely useful trait: the list is static configuration from an environment variable, not live network discovery. However, it says nothing about ordering, whether the env var being unset yields an empty list or an error, or what authentication/connectivity is implied.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.