Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations and no output schema, the description carries the full burden of behavioral disclosure, but it only says 'List' and 'in an account.' It does not disclose pagination behavior, response shape, permissions required, or whether any filtering is applied, leaving significant behavioral details unstated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.