Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden. The word 'Lists' indicates a read-only operation, and 'on this Mac' clarifies that it operates on the local system. However, it does not explicitly state that there are no side effects, whether special permissions are needed, or how it behaves if Reminders.app is not available. Some context is given 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.