Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the transparency burden. It communicates read-only intent via 'List' and account scoping, but it does not mention pagination, response shape, or whether all or only active policies are returned, which matters for a list endpoint.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.