Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description carries the full burden of behavioral disclosure. It only says 'lists,' which weakly implies a read-only operation, but it does not disclose pagination, authentication requirements, returned fields, or whether all templates are returned.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.