Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. 'Read' implies read-only, but nothing is said about whether the catalog is static or account-specific, whether results are paginated, or what the effect entries contain. For a zero-annotation tool this leaves the behavioral profile largely undisclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.