Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden for behavioral disclosure. 'Create a new user' implies a write/mutation operation but doesn't specify what happens after creation (e.g., whether the user becomes active immediately), permission requirements, potential side effects, or error conditions. This leaves significant gaps for a mutation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.