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 goes beyond that by disclosing a real behavioral trait of the returned data: amounts are bare numbers with no currency, requiring a separate get_organization_settings call. That is genuine added context not present in structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.