Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it only partially discharges it: 'Find all countries' implies a safe read, and the returns line confirms a list comes back. It says nothing about pagination, result size limits, behavior for unknown currency codes, or whether the lookup is case-sensitive.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.