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. 'Create a backup' implies a write operation that likely requires admin permissions and may impact database performance, but none of this is mentioned. The description doesn't disclose whether the backup is immediate or scheduled, if it locks the database, what format it creates, or where backups are stored. For a potentially disruptive operation with zero annotation coverage, this is inadequate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.