Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses that the call consumes 0 credits (a real behavioral trait) and that the operation is a read, but says nothing about authentication, rate limits, or whether the expiry list is paginated or truncated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.