Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. 'List' does imply a read-only operation and the account scope is stated, but it does not disclose pagination behavior, whether inactive tokens are included, or the shape of the result. This is adequate for a simple read-only listing tool but leaves some behavior implicit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.