Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is covered. The description adds a genuinely non-obvious behavioral trait the annotations cannot convey: returned amounts carry no currency and require a separate settings lookup to interpret.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.