Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry behavioral load; it does disclose that matching is case-insensitive, that partial names are accepted, and that it works without the vector index — genuinely useful traits. It says nothing about ranking/ordering of results, ambiguity handling, or the fact that it is a read-only lookup, which a no-annotation tool should ideally make explicit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.