Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description falls short. It only states what the tool does, but does not disclose that it is a read-only transformation, what the return value looks like (e.g., string with currency symbol), or any edge cases like unsupported currencies.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.