Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations are absent, so the description carries the burden. 'List all' implies a read-only enumeration scoped to the entire account, which is useful context, but it says nothing about pagination, result caps, or whether it is safe/non-mutating — expected for a lister but not disclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.