Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It implies a read-only listing via 'List', but does not disclose whether authentication is required, whether the list is live or cached, or any side effects. For a simple list operation, this is acceptable but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.