Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral disclosure. The verb 'Get' reasonably signals a harmless read operation, and 'settings' suggests the return content. However, it does not disclose response shape, permission requirements, or whether all settings or only a subset are returned. This is adequate for a simple getter 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.