Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must disclose safety and side-effect properties. It simply states the listing action without explicitly stating that it is read-only, whether it requires any permissions, or how it handles an invalid account. It also lacks details about pagination or response structure, which are not provided elsewhere since the output schema exists but is not described.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.