Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses the action (reload from disk) but does not mention side effects (e.g., discarding unsaved changes) or prerequisites (e.g., Anki must be running). This is minimally adequate for a simple zero-parameter tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.