Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description carries the full burden of behavioral disclosure. It only says 'List', implying a read operation, but does not disclose pagination, scoping beyond the required account_id, result ordering, or whether any filtering or side effects exist. This is minimal coverage for a tool with no annotation support.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.