Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so safety is covered. The description adds genuinely non-obvious behavioral context beyond that: monetary fields are bare numbers carrying no currency, and currency_code must come from get_organization_settings. That prevents a real misinterpretation, though it does not cover error behavior for a bad ID.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.