Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint false, so the safety profile is covered. The description adds useful context about the included data (spend vs limit, forecast, chargeback) but does not disclose other behavioral traits like aggregation across workspace or potential delays, so it meets baseline with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.