Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. 'Lists' implies a safe read operation and 'stored in server memory' provides context, but the description does not disclose return format, ordering, emptiness behavior, or potential errors. It is minimally transparent but lacks richer behavioral detail.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.