Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden, and it discloses almost nothing: not what 'details' are returned, whether private key material is exposed, whether any permission is required, or whether the operation is a safe read. One sentence of pure retrieval intent is insufficient for a key-access tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.