Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden for behavioral disclosure. While 'Change' implies a mutation operation, it doesn't specify whether this requires special permissions, what happens to the old password, whether the change is immediate or requires confirmation, or what error conditions might occur. For a password change tool with zero annotation coverage, this represents significant behavioral gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.