Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden but only states 'Get virtual account details' without disclosing behavioral traits. It doesn't mention whether this is a read-only operation, requires authentication, has rate limits, or what the return format might be, leaving significant gaps for a tool with no annotation coverage.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.