Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. 'Say hello to the user' implies a read-only output operation, but doesn't specify whether this creates any side effects, requires authentication, has rate limits, or what the actual output format is. It's minimal behavioral information for a tool that presumably just returns a greeting.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.