Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish safe-read semantics (readOnlyHint, idempotentHint, destructiveHint=false), so the bar is lower. The description adds non-obvious output behavior: amounts are bare numbers with no currency, requiring a separate settings call. That is meaningful context beyond the annotations, though nothing is said about missing/orphaned IDs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.