Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry behavioral disclosure. It usefully warns that the response's top-level token will automatically refresh the JWT, a meaningful side effect. However, it is silent about required authentication, what happens when user_id is omitted, and whether the tool can fail or behave differently for invalid tokens.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.