Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the burden. 'List' clearly implies a read-only operation, and 'built-in' adds that this returns standard catalog data. However, it does not disclose any requirements (e.g., session, document context), return format, or other behavioral traits. The minimal disclosure is adequate for a simple list tool but not comprehensive.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.