Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full burden for behavioral transparency. It does not indicate whether the tool is read-only, what side effects it has, or whether it returns current state or modifies anything. The bare list of items gives no clue about behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.