Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must disclose behavioral traits. It states loading and merging into server state, implying state modification. However, it does not mention authentication requirements, error handling, file format expectations, side effects, or whether the operation is reversible. The merge behavior is implied but not fully detailed (e.g., what happens when merge=false). Adequate but not thorough.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.