Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden. 'List' implies a read-only operation, but no explicit statement about side effects or performance characteristics (e.g., pagination, ordering) is given. For a simple enumeration, this is sufficient, but it doesn't add any context beyond the obvious.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.