Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description carries the full behavioral burden, and it does disclose the key risk that unsaved work in that transaction can be lost — valuable and non-obvious. However, it does not say what happens if no transaction is active, whether the call is idempotent, or whether ending commits or discards pending changes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.